Credito ComercialCREDITO COMERCIALUn proveedor de la empresa Azulejos S.A. concede descuentos por pronto pago del 3%. Cual sera el coste de esta financiacin si aplazamos el pago de productos por valor de 1.000.000 en 90 das :nominal=1000000dto pronto pago3.00%n=90id=13.15%efectivo=970000

cuenta de crditoPOLIZA DE CREDITOLa empresa AAA ha contratado con su banco una pliza de crdito en las siguientes condiciones: Lmite de crdito: 20.000 Inters deudor (dentro del crdito concedido): 10% Inters excedido: 22% Inters acreedor: 1% Comisin de disponibilidad: 5 trimestral Comisin por mximo excedido: 1 trimestral Liquidacin por trimestres vencidos.A lo largo del primer perodo de liquidacin se han producido los siguientes movimientos:15-abril Concesin de la pliza. Cargo de 400 . por comisiones.20-abril Pago de una factura de 5.000 10-mayo Pago de un taln de 10.000 A lo largo del segundo perodo de liquidacin se han producido los siguientes movimientos:8-agosto Pago facturas varias 6.000 16-sept. Ingreso en efectivo de 22.000.A partir de estos datos se realizarn las siguientes liquidaciones:Liquidacin del perodo 15-04 al 15-07.Liquidacin del perodo 15-07 al 15-10Cuenta de crditoi(aceed)=1.00%0.0000277778i(aceed)=1.00%0.0000277778i (exc)=20.00%0.0005555556i (exc)=20.00%0.0005555556i=7.00%0.0001944444i=7.20%0.0002c=2.00%c=1.50%L=3,600,000.00 L=3,600,000.00 T=0.10%id=9.07%T=0.05%id=8.75%D=3,500,000.00 D=3,500,000.00 Liquidacinprimer periodofechaconceptocuatasignosaldodiasN deudoresN excedidosN acreedores15-Aprcom aper400d4005200020-Aprfactura5000d540020.0010800010-Maytalon10000d15400661016400911126400I deudores219.02 saldo medio dispuesto:12,378.02 saldo medio no dispuesto:3,587,621.98 Com. Disp3,587.62 Saldo tras liquidacin:19,206.64 Liquidacinsegundo periodofechaconceptocuatasignosaldodiasN deudoresN excedidosN acreedores15-Julliquidacin3,806.64 d19,206.64 24460,959.46 8-Augfactura6000d25,206.64 39140,400,000.00 203,059.12 16-SepI. Efectivo-22000h3,206.64 2992,992.68 92140,860,959.46 203,059.12 92,992.68 I deudores27,389.63 I excedidos112.81 I acreedores2.58 saldo medio dispuesto:1,531,097.39 saldo medio no dispuesto:2,068,902.61 Com. Disp2,068.90 Saldo tras liquidacin:32,775.41

Descuento de efectosDESCUENTO DE EFECTOSSe desea descontar una letra de 3.250 euros cuando an faltan 60 das para su vencimineto en las siguientes condiciones. Tipo de descuento: 14% anual. Comisin: 3 (mnimo 5 euros). Otros gastos: 2 euros.Llegado el vencimiento de la letra del ejemplo 1, sta es devuelta por impagada, cargndose en la cuenta del cedente por los siguientes conceptos: Comisin de devolucin: 1. Comisin de protesto: 2. Correo: 2,50 euros.Finalmente para recuperar la letra devuelta por impagada del ejemplo 2 se llega al acuerdo de girar una nueva letra con vencimiento a 30 das, en las siguientes condiciones: Tipo de descuento: 15%. Comisin: 3. Otros gastos: 10 euros.Determinar el importe de la nueva letra.COSTE DESCUENTO EFECTOd=6.00%nominaldasefectivocomisinTimbreEnetoid3250603217.500.30%23205.758.70%COSTE CON DEVOLUCINd=6.00%nominaldasefectivocomisinTimbreEnetoid3282.19103276.720.25%16.833251.6840.61%Com devol:0.001com protes:0.002correo2.5gastos:12.25adeudo en CC3262.25DAS10i0.22adeudo en CC3282.19LETRA RESACAd=8.50%nominaldasefectivocomisinTimbreEnetoid3310.81303287.360.25%16.833262.2519.69%

FACTORINGOPERACIN DE FACTORINGImporte bruto de la remesa 120.202,42 Anticipo mximo 90% 108.182,18 Cobertura de insolvencias: 100% sobre anticiposTipo de inters: 7%. Duracin 90 dasComisin de factor:Por la gestin de cobro: 0,50% sobre Importe bruto de la remesaPor la cobertura de insolvencias: 0,20% sobre el anticipo.Liquidacin total a los 120 das.Calcular el coste efectivoN=120,202.42 Porcentaje anticipo=90.00%A=108,182.18 i=7.00%n=90n'=120Cgest=0.50%601.0121C.insolv=0.20%216.364356I=1,893.19 11.9685087161ECUACION DEL COSTEip=11.11%

repoREPO El director financiero de una empresa necesita 12.000 durante 45das. Su banco le ofrece realizar un repo sobre las doce Letras del Tesoro que tiene en cartera y a las que les faltan 140 das para el vencimiento, el tipo de inters en el mercado secundario de Letras s el 3,85% y las condiciones del repo son tipo de inters del 4,15% y una comisin del 0,75% sobre el precoi de retrocesin a pagar al final de la operacin.Calcular el coste para la empresa por realizar el repo.Precio de cesin:nominal=1000im=3.85%n=140Pc=$985.25Precio de retrocesin:ir=4.15%n=45Pr=990.36 Rendimientorealmente aportadoRealmente recibido(Pr,45)(Pc,0)comisin=0.75%(com,45)id=10.80%

confirmingLinea de confirming, euribor ms 0,75 y comisin de 0,2%.N=120,202.42 i=Euribor+0,755.08%Euribor=4.33%comision=0.20%duracion90Efectivo=118,694.99 coste6.12%

Servei d'Informtica:

ENUNCIADO PRESTAMO-SUBVENCONEjercicio amortizacin. Una empresa decide solicitar la siguiente operacin de amortizacin para la adquisicin de maquinaria a una entidad financiera:* capital prestado 30.000 * mtodo de amortizacin francs cuotas mensuales* duracin 5 aos* tipo de inters del 6% nominal* comisin de apertura del 1%* Gastos de estudio de 30 * Intervencin del corredor de comercio 0,5%Calclese el tanto efectivo de coste y de rendimiento.La empresa ha decidido solicitar una subvencin que se concede por parte de las autoridades autonmicas para la modernizacin de equipos, y, un ao despus de la formalizacin del prstamo reciben 2100 a fondo perdido. Para que se le conceda dicha subvencin, la empresa ha de acudir al aval de la SGR, cuyas caractersticas son: una comisin peridica anual del 1% del capital vivo, una comisin de apertura del 1,5%Como influye esta subvencin en los costes de la operacin?

normaln=5PRESTAMO ORIGINALm=12CsaIA(CAL.COST)j(m)=0.06030000-29520i(m)=0.005129570.0159541171579.9840458829150429.9840458829579.9840458829C0=30000229137.8819880049579.9840458829147.8500797706432.1339661123579.9840458829TIR(m)=0.556%a=579.9840458829328703.5873520621579.9840458829145.68940994434.2946359428579.9840458829nxm=60428267.1212429395579.9840458829143.5179367603436.4661091225579.9840458829ip=6.88%Com bancaria=0.01527828.4728032714579.9840458829141.3356062147438.6484396682579.9840458829Gastos Estudio=30627387.6311214049579.9840458829139.1423640164440.8416818665579.9840458829Interv fedatario=0.005726944.585231129579.9840458829136.938155607443.0458902758579.9840458829826499.3241114018579.9840458829134.7229261556445.2611197272579.9840458829926051.836686076579.9840458829132.496620557447.4874253258579.98404588291025602.1118236235579.9840458829130.2591834304449.7248624525579.98404588291125150.1383368588579.9840458829128.0105591181451.9734867647579.9840458829Comban=3001224695.9049826602579.9840458829125.7506916843454.2333541986579.9840458829G.estudio301324239.4004616907579.9840458829123.4795249133456.5045209696579.9840458829Interv fed=1501423780.6134181163579.9840458829121.1970023085458.7870435744579.9840458829Gast- Cero=4801523319.532439324579.9840458829118.9030670906461.0809787923579.98404588291622856.1460556378579.9840458829116.5976621966463.3863836862579.98404588291722390.4427400331579.9840458829114.2807302782465.7033156047579.98404588291821922.4109078504579.9840458829111.9522137002468.0318321827579.98404588291921452.0389165068579.9840458829109.6120545393470.3719913436579.98404588292020979.3150652065579.9840458829107.2601945825472.7238513003579.98404588292120504.2275946497579.9840458829104.896575326475.0874705568579.98404588292220026.7646867401579.9840458829102.5211379732477.4629079096579.98404588292319546.9144642909579.9840458829100.1338234337479.8502224492579.98404588292419064.6649907295579.984045882997.7345723215482.2494735614579.98404588292518580.0042698003579.984045882995.3233249536484.6607209292579.98404588292618092.9202452665579.984045882992.900021349487.0840245339579.98404588292717603.4008006099579.984045882990.4646012263489.5194446565579.98404588292817111.4337587301579.984045882988.017004003491.9670418798579.98404588292916617.0068816409579.984045882985.5571687937494.4268770892579.98404588293016120.1078701663579.984045882983.0850344082496.8990114746579.98404588293115620.7243636343579.984045882980.6005393508499.383506532579.98404588293215118.8439395696579.984045882978.1036218182501.8804240647579.98404588293314614.4541133846579.984045882975.5942196978504.389826185579.98404588293414107.5423380686579.984045882973.0722705669506.9117753159579.98404588293513598.0960038761579.984045882970.5377116903509.4463341925579.98404588293613086.1024380127579.984045882967.9904800194511.9935658635579.98404588293712571.5489043199579.984045882965.4305121901514.5535336928579.98404588293812054.4226029586579.984045882962.8577445216517.1263013613579.98404588293911534.7106700906579.984045882960.2721130148519.7119328681579.98404588294011012.4001775582579.984045882957.6735533505522.3104925324579.98404588294110487.4781325631579.984045882955.0620008878524.9220449951579.9840458829429959.9314773431579.984045882952.4373906628527.54665522579.9840458829439429.7470888469579.984045882949.7996573867530.1843884961579.9840458829448896.9117784083579.984045882947.1487354442532.8353104386579.9840458829458361.4122914175579.984045882944.484558892535.4994869908579.9840458829467823.2353069917579.984045882941.8070614571538.1769844258579.9840458829477282.3674376438579.984045882939.116176535540.8678693479579.9840458829486738.7952289492579.984045882936.4118371882543.5722086946579.9840458829496192.5051592111579.984045882933.6939761447546.2900697381579.9840458829505643.4836391243579.984045882930.9625257961549.0215200868579.9840458829515091.7170114371579.984045882928.2174181956551.7666276872579.9840458829524537.1915506114579.984045882925.4585850572554.5254608257579.9840458829533979.8934624816579.984045882922.6859577531557.2980881298579.9840458829543419.8088839112579.984045882919.8994673124560.0845785704579.9840458829552856.9238824479579.984045882917.0990444196562.8850014633579.9840458829562291.2244559772579.984045882914.2846194122565.6994264706579.9840458829571722.6965323743579.984045882911.4561222799568.527923603579.9840458829581151.3259691533579.98404588298.6134826619571.370563221579.984045882959577.0985531162579.98404588295.7566298458574.2274160371579.984045882960-0.00579.98404588292.8854927656577.0985531173579.9840458829

sub y avaln=5PRESTAMO CON AVAL Y SUBVENCINm=12CsaIA(CAL.COST)Cap.adicionalesj(m)=0.06030000-28470i(m)=0.005129570.0159541171579.9840458829150429.9840458829579.9840458829C0=30000229137.8819880049579.9840458829147.8500797706432.1339661123579.9840458829TIR(m)=0.461%a=579.9840458829328703.5873520621579.9840458829145.68940994434.2946359428579.9840458829nxm=60428267.1212429395579.9840458829143.5179367603436.4661091225579.9840458829ip=5.67%Com bancaria=0.01527828.4728032714579.9840458829141.3356062147438.6484396682579.9840458829Gastos Estudio=30627387.6311214049579.9840458829139.1423640164440.8416818665579.9840458829Interv fedatario=0.005726944.585231129579.9840458829136.938155607443.0458902758579.9840458829826499.3241114018579.9840458829134.7229261556445.2611197272579.9840458829926051.836686076579.9840458829132.496620557447.4874253258579.98404588291025602.1118236235579.9840458829130.2591834304449.7248624525579.98404588291125150.1383368588579.9840458829128.0105591181451.9734867647579.9840458829Comban=3001224695.9049826602579.9840458829125.7506916843454.2333541986-1273.0569042905-1853.0409501734G.estudio301324239.4004616907579.9840458829123.4795249133456.5045209696579.9840458829Interv fed=1501423780.6134181163579.9840458829121.1970023085458.7870435744579.9840458829Gast- Cero=15301523319.532439324579.9840458829118.9030670906461.0809787923579.98404588291622856.1460556378579.9840458829116.5976621966463.3863836862579.9840458829Subvencin=21001722390.4427400331579.9840458829114.2807302782465.7033156047579.9840458829aval SGR1821922.4109078504579.9840458829111.9522137002468.0318321827579.9840458829com anual=0.011921452.0389165068579.9840458829109.6120545393470.3719913436579.9840458829com aper=0.0152020979.3150652065579.9840458829107.2601945825472.7238513003579.9840458829Acciones=0.022120504.2275946497579.9840458829104.896575326475.0874705568579.98404588292220026.7646867401579.9840458829102.5211379732477.4629079096579.98404588292319546.9144642909579.9840458829100.1338234337479.8502224492579.98404588292419064.6649907295579.984045882997.7345723215482.2494735614770.6306957901190.64664990732518580.0042698003579.984045882995.3233249536484.6607209292579.98404588292618092.9202452665579.984045882992.900021349487.0840245339579.98404588292717603.4008006099579.984045882990.4646012263489.5194446565579.98404588292817111.4337587301579.984045882988.017004003491.9670418798579.98404588292916617.0068816409579.984045882985.5571687937494.4268770892579.98404588293016120.1078701663579.984045882983.0850344082496.8990114746579.98404588293115620.7243636343579.984045882980.6005393508499.383506532579.98404588293215118.8439395696579.984045882978.1036218182501.8804240647579.98404588293314614.4541133846579.984045882975.5942196978504.389826185579.98404588293414107.5423380686579.984045882973.0722705669506.9117753159579.98404588293513598.0960038761579.984045882970.5377116903509.4463341925579.98404588293613086.1024380127579.984045882967.9904800194511.9935658635710.845070263130.86102438013712571.5489043199579.984045882965.4305121901514.5535336928579.98404588293812054.4226029586579.984045882962.8577445216517.1263013613579.98404588293911534.7106700906579.984045882960.2721130148519.7119328681579.98404588294011012.4001775582579.984045882957.6735533505522.3104925324579.98404588294110487.4781325631579.984045882955.0620008878524.9220449951579.9840458829429959.9314773431579.984045882952.4373906628527.54665522579.9840458829439429.7470888469579.984045882949.7996573867530.1843884961579.9840458829448896.9117784083579.984045882947.1487354442532.8353104386579.9840458829458361.4122914175579.984045882944.484558892535.4994869908579.9840458829467823.2353069917579.984045882941.8070614571538.1769844258579.9840458829477282.3674376438579.984045882939.116176535540.8678693479579.9840458829486738.7952289492579.984045882936.4118371882543.5722086946647.371998172367.3879522895496192.5051592111579.984045882933.6939761447546.2900697381579.9840458829505643.4836391243579.984045882930.9625257961549.0215200868579.9840458829515091.7170114371579.984045882928.2174181956551.7666276872579.9840458829524537.1915506114579.984045882925.4585850572554.5254608257579.9840458829533979.8934624816579.984045882922.6859577531557.2980881298579.9840458829543419.8088839112579.984045882919.8994673124560.0845785704579.9840458829552856.9238824479579.984045882917.0990444196562.8850014633579.9840458829562291.2244559772579.984045882914.2846194122565.6994264706579.9840458829571722.6965323743579.984045882911.4561222799568.527923603579.9840458829581151.3259691533579.98404588298.6134826619571.370563221579.984045882959577.0985531162579.98404588295.7566298458574.2274160371579.984045882960-0.00579.98404588292.8854927656577.0985531173-20.0159541171-600

avaln=PRESTAMO CON AVALm=CsaIA(CAL.COST)Cap.adicionalesj(m)=0.06030000-28470i(m)=0.005129570.0159541171579.9840458829150429.9840458829579.9840458829C0=30000229137.8819880049579.9840458829147.8500797706432.1339661123579.9840458829TIR(m)=0.701%a=579.9840458829328703.5873520621579.9840458829145.68940994434.2946359428579.9840458829nxm=60428267.1212429395579.9840458829143.5179367603436.4661091225579.9840458829ip=8.75%Com bancaria=0.01527828.4728032714579.9840458829141.3356062147438.6484396682579.9840458829Gastos Estudio=30627387.6311214049579.9840458829139.1423640164440.8416818665579.9840458829Interv fedatario=0.005726944.585231129579.9840458829136.938155607443.0458902758579.9840458829826499.3241114018579.9840458829134.7229261556445.2611197272579.9840458829926051.836686076579.9840458829132.496620557447.4874253258579.98404588291025602.1118236235579.9840458829130.2591834304449.7248624525579.98404588291125150.1383368588579.9840458829128.0105591181451.9734867647579.9840458829Comban=3001224695.9049826602579.9840458829125.7506916843454.2333541986826.9430957095246.9590498266G.estudio301324239.4004616907579.9840458829123.4795249133456.5045209696579.9840458829Interv fed=1501423780.6134181163579.9840458829121.1970023085458.7870435744579.9840458829Gast- Cero=15301523319.532439324579.9840458829118.9030670906461.0809787923579.98404588291622856.1460556378579.9840458829116.5976621966463.3863836862579.9840458829Subvencin=21001722390.4427400331579.9840458829114.2807302782465.7033156047579.9840458829aval SGR1821922.4109078504579.9840458829111.9522137002468.0318321827579.9840458829com anual=0.011921452.0389165068579.9840458829109.6120545393470.3719913436579.9840458829com aper=0.0152020979.3150652065579.9840458829107.2601945825472.7238513003579.9840458829Acciones=0.022120504.2275946497579.9840458829104.896575326475.0874705568579.98404588292220026.7646867401579.9840458829102.5211379732477.4629079096579.98404588292319546.9144642909579.9840458829100.1338234337479.8502224492579.98404588292419064.6649907295579.984045882997.7345723215482.2494735614770.6306957901190.64664990732518580.0042698003579.984045882995.3233249536484.6607209292579.98404588292618092.9202452665579.984045882992.900021349487.0840245339579.98404588292717603.4008006099579.984045882990.4646012263489.5194446565579.98404588292817111.4337587301579.984045882988.017004003491.9670418798579.98404588292916617.0068816409579.984045882985.5571687937494.4268770892579.98404588293016120.1078701663579.984045882983.0850344082496.8990114746579.98404588293115620.7243636343579.984045882980.6005393508499.383506532579.98404588293215118.8439395696579.984045882978.1036218182501.8804240647579.98404588293314614.4541133846579.984045882975.5942196978504.389826185579.98404588293414107.5423380686579.984045882973.0722705669506.9117753159579.98404588293513598.0960038761579.984045882970.5377116903509.4463341925579.98404588293613086.1024380127579.984045882967.9904800194511.9935658635710.845070263130.86102438013712571.5489043199579.984045882965.4305121901514.5535336928579.98404588293812054.4226029586579.984045882962.8577445216517.1263013613579.98404588293911534.7106700906579.984045882960.2721130148519.7119328681579.98404588294011012.4001775582579.984045882957.6735533505522.3104925324579.98404588294110487.4781325631579.984045882955.0620008878524.9220449951579.9840458829429959.9314773431579.984045882952.4373906628527.54665522579.9840458829439429.7470888469579.984045882949.7996573867530.1843884961579.9840458829448896.9117784083579.984045882947.1487354442532.8353104386579.9840458829458361.4122914175579.984045882944.484558892535.4994869908579.9840458829467823.2353069917579.984045882941.8070614571538.1769844258579.9840458829477282.3674376438579.984045882939.116176535540.8678693479579.9840458829486738.7952289492579.984045882936.4118371882543.5722086946647.371998172367.3879522895496192.5051592111579.984045882933.6939761447546.2900697381579.9840458829505643.4836391243579.984045882930.9625257961549.0215200868579.9840458829515091.7170114371579.984045882928.2174181956551.7666276872579.9840458829524537.1915506114579.984045882925.4585850572554.5254608257579.9840458829533979.8934624816579.984045882922.6859577531557.2980881298579.9840458829543419.8088839112579.984045882919.8994673124560.0845785704579.9840458829552856.9238824479579.984045882917.0990444196562.8850014633579.9840458829562291.2244559772579.984045882914.2846194122565.6994264706579.9840458829571722.6965323743579.984045882911.4561222799568.527923603579.9840458829581151.3259691533579.98404588298.6134826619571.370563221579.984045882959577.0985531162579.98404588295.7566298458574.2274160371579.984045882960-0.00579.98404588292.8854927656577.0985531173-20.0159541171-600

subvencinn=5PRESTAMO CON SUBVENCINm=12CsaIA(CAL.COST)Cap.adicionalesj(m)=0.06030000-29520i(m)=0.005129570.0159541171579.9840458829150429.9840458829579.9840458829C0=30000229137.8819880049579.9840458829147.8500797706432.1339661123579.9840458829TIR(m)=0.328%a=579.9840458829328703.5873520621579.9840458829145.68940994434.2946359428579.9840458829nxm=60428267.1212429395579.9840458829143.5179367603436.4661091225579.9840458829ip=4.01%Com bancaria=0.01527828.4728032714579.9840458829141.3356062147438.6484396682579.9840458829Gastos Estudio=30627387.6311214049579.9840458829139.1423640164440.8416818665579.9840458829Interv fedatario=0.005726944.585231129579.9840458829136.938155607443.0458902758579.9840458829826499.3241114018579.9840458829134.7229261556445.2611197272579.9840458829926051.836686076579.9840458829132.496620557447.4874253258579.98404588291025602.1118236235579.9840458829130.2591834304449.7248624525579.98404588291125150.1383368588579.9840458829128.0105591181451.9734867647579.9840458829Comban=3001224695.9049826602579.9840458829125.7506916843454.2333541986-1520.0159541172-2100G.estudio301324239.4004616907579.9840458829123.4795249133456.5045209696579.9840458829Interv fed=1501423780.6134181163579.9840458829121.1970023085458.7870435744579.9840458829Gast- Cero=4801523319.532439324579.9840458829118.9030670906461.0809787923579.98404588291622856.1460556378579.9840458829116.5976621966463.3863836862579.9840458829Subvencin=21001722390.4427400331579.9840458829114.2807302782465.7033156047579.9840458829aval SGR1821922.4109078504579.9840458829111.9522137002468.0318321827579.9840458829com anual=0.011921452.0389165068579.9840458829109.6120545393470.3719913436579.9840458829com aper=0.0152020979.3150652065579.9840458829107.2601945825472.7238513003579.9840458829Acciones=0.022120504.2275946497579.9840458829104.896575326475.0874705568579.98404588292220026.7646867401579.9840458829102.5211379732477.4629079096579.98404588292319546.9144642909579.9840458829100.1338234337479.8502224492579.98404588292419064.6649907295579.984045882997.7345723215482.2494735614579.98404588292518580.0042698003579.984045882995.3233249536484.6607209292579.98404588292618092.9202452665579.984045882992.900021349487.0840245339579.98404588292717603.4008006099579.984045882990.4646012263489.5194446565579.98404588292817111.4337587301579.984045882988.017004003491.9670418798579.98404588292916617.0068816409579.984045882985.5571687937494.4268770892579.98404588293016120.1078701663579.984045882983.0850344082496.8990114746579.98404588293115620.7243636343579.984045882980.6005393508499.383506532579.98404588293215118.8439395696579.984045882978.1036218182501.8804240647579.98404588293314614.4541133846579.984045882975.5942196978504.389826185579.98404588293414107.5423380686579.984045882973.0722705669506.9117753159579.98404588293513598.0960038761579.984045882970.5377116903509.4463341925579.98404588293613086.1024380127579.984045882967.9904800194511.9935658635579.98404588293712571.5489043199579.984045882965.4305121901514.5535336928579.98404588293812054.4226029586579.984045882962.8577445216517.1263013613579.98404588293911534.7106700906579.984045882960.2721130148519.7119328681579.98404588294011012.4001775582579.984045882957.6735533505522.3104925324579.98404588294110487.4781325631579.984045882955.0620008878524.9220449951579.9840458829429959.9314773431579.984045882952.4373906628527.54665522579.9840458829439429.7470888469579.984045882949.7996573867530.1843884961579.9840458829448896.9117784083579.984045882947.1487354442532.8353104386579.9840458829458361.4122914175579.984045882944.484558892535.4994869908579.9840458829467823.2353069917579.984045882941.8070614571538.1769844258579.9840458829477282.3674376438579.984045882939.116176535540.8678693479579.9840458829486738.7952289492579.984045882936.4118371882543.5722086946579.9840458829496192.5051592111579.984045882933.6939761447546.2900697381579.9840458829505643.4836391243579.984045882930.9625257961549.0215200868579.9840458829515091.7170114371579.984045882928.2174181956551.7666276872579.9840458829524537.1915506114579.984045882925.4585850572554.5254608257579.9840458829533979.8934624816579.984045882922.6859577531557.2980881298579.9840458829543419.8088839112579.984045882919.8994673124560.0845785704579.9840458829552856.9238824479579.984045882917.0990444196562.8850014633579.9840458829562291.2244559772579.984045882914.2846194122565.6994264706579.9840458829571722.6965323743579.984045882911.4561222799568.527923603579.9840458829581151.3259691533579.98404588298.6134826619571.370563221579.984045882959577.0985531162579.98404588295.7566298458574.2274160371579.984045882960-0.00579.98404588292.8854927656577.0985531173579.9840458829

ENUNCIADO PRESTAMO INDICIADOEjercicio 2. Una pareja decide comprarse un piso de segunda mano cuyo precio es de 86.545 Para ello recurre a una entidad financiera que les ofrece las siguientes condiciones:* capital prestado: 80% del valor de tasacin (108.182 )* tipo de inters nominal variable anualmente indiciado al euribor ms 0,75 puntos.* euribor en el momento inicial del 2,54%* duracin de la operacin: 15 aos* amortizacin mensual por el mtodo francs.* comisin de apertura del 1% mnimo 500 * tasacin 1% mnimo 150 * seguro de 60 * comisin de cancelacin anticipada, total o parcial, de1%Los gastos no financieros derivados del hecho de la adquisicin del inmueble ascienden a 2.400 Calcular los parmetros (cuadro de amortizacin) y el coste y rendimiento de esta operacin en el caso en que los tipospermanezcan constantes a lo largo de la operacin.Como se modificaran las condiciones si las variaciones del euribor son las siguientes: ao 2: 3%; y a partir del ao 3 se mantiene en el 2,7%?Como se modifica el coste y el rendimiento si existe cancelacin anticipada de 6.000 al final del tercer ao?

ao1PRESTAMO INDICIADOConstruir el cuadro de amortizacin de una operacin con las siguientes caractersticas:Capital prestado =80.00%valor tasacinInters indiciadocomisin=1.00%$865.46Duracin = 15 aostasacin=1.00%$865.46Trminos amortizativos mensualesRevisin anualvalor de tasacin=108182J(12)=2.54%m=12n=15n*m=180a=579i=0.21%C0 =(86,546)Gastos y comisiones=1730.9121% banco y 3% notarias etc.PerodoRditoTrminoCuota deCuota deCapitalCapitalperodoamortizativointersamortizacinamortizadovivoOrigen(84,815)86,54610.21%57918339639686,15020.21%57918239679285,7540.24%2.865%=coste efectivo30.21%5791823971,18985,35740.21%5791813981,58784,95850.21%5791803991,98684,56060.21%5791794002,38684,16070.21%5791784012,78683,75980.21%5791774013,18883,35890.21%5791764023,59082,956100.21%5791764033,99382,553110.21%5791754044,39782,149120.21%5791744054,80281,744130.21%5791734065,20881,338140.21%5791724075,61480,931150.21%5791714076,02280,524160.21%5791704086,43080,116170.21%5791704096,83979,707180.21%5791694107,24979,297190.21%5791684117,66078,886200.21%5791674128,07178,474210.21%5791664138,48478,062220.21%5791654138,89877,648230.21%5791644149,31277,234240.21%5791634159,72776,818250.21%57916341610,14376,402260.21%57916241710,56075,985270.21%57916141810,97875,567280.21%57916041911,39775,149290.21%57915942011,81774,729300.21%57915842112,23774,309310.21%57915742112,65873,887320.21%57915642213,08173,465330.21%57915642313,50473,042340.21%57915542413,92872,617350.21%57915442514,35372,192360.21%57915342614,77971,767370.21%57915242715,20671,340380.21%57915142815,63470,912390.21%57915042916,06270,483400.21%57914943016,49270,054410.21%57914843016,92269,624420.21%57914743117,35369,192430.21%57914643217,78668,760440.21%57914643318,21968,327450.21%57914543418,65367,893460.21%57914443519,08867,458470.21%57914343619,52467,022480.21%57914243719,96166,585490.21%57914143820,39866,147500.21%57914043920,83765,708510.21%57913944021,27765,269520.21%57913844121,71764,828530.21%57913744122,15964,387540.21%57913644222,60163,944550.21%57913544323,04563,501560.21%57913444423,48963,057570.21%57913344523,93462,611580.21%57913344624,38062,165590.21%57913244724,82761,718600.21%57913144825,27661,270610.21%57913044925,72560,821620.21%57912945026,17460,371630.21%57912845126,62559,920640.21%57912745227,07759,468650.21%57912645327,53059,015660.21%57912545427,98458,562670.21%57912445528,43958,107680.21%57912345628,89457,651690.21%57912245729,35157,195700.21%57912145829,80956,737710.21%57912045930,26756,278720.21%57911946030,72755,819730.21%57911846131,18755,358740.21%57911746231,64954,897750.21%57911646332,11254,434760.21%57911546332,57553,971770.21%57911446433,03953,506780.21%57911346533,50553,041790.21%57911246633,97152,574800.21%57911146734,43952,107810.21%57911046834,90751,638820.21%57910946935,37751,169830.21%57910847035,84750,699840.21%57910747136,31850,227850.21%57910647236,79149,755860.21%57910547337,26449,281870.21%57910447437,73948,807880.21%57910347538,21448,332890.21%57910247638,69047,855900.21%57910147739,16847,378910.21%57910047839,64646,899920.21%5799947940,12646,420930.21%5799848040,60645,939940.21%5799748141,08845,458950.21%5799648241,57044,976960.21%5799548442,05444,492970.21%5799448542,53844,007980.21%5799348643,02443,522990.21%5799248743,51043,0351000.21%5799148843,99842,5481010.21%5799048944,48742,0591020.21%5798949044,97641,5691030.21%5798849145,46741,0791040.21%5798749245,95940,5871050.21%5798649346,45140,0941060.21%5798549446,94539,6001070.21%5798449547,44039,1051080.21%5798349647,93638,6091090.21%5798249748,43338,1121100.21%5798149848,93137,6141110.21%5798049949,43037,1151120.21%5797950049,93036,6151130.21%5797850150,43236,1141140.21%5797650250,93435,6121150.21%5797550351,43735,1081160.21%5797450451,94234,6041170.21%5797350552,44734,0991180.21%5797250752,95433,5921190.21%5797150853,46133,0841200.21%5797050953,97032,5761210.21%5796951054,48032,0661220.21%5796851154,99031,5551230.21%5796751255,50231,0431240.21%5796651356,01530,5301250.21%5796551456,52930,0161260.21%5796451557,04529,5011270.21%5796251657,56128,9851280.21%5796151758,07828,4671290.21%5796051858,59727,9491300.21%5795952059,11627,4291310.21%5795852159,63726,9091320.21%5795752260,15926,3871330.21%5795652360,68225,8641340.21%5795552461,20525,3401350.21%5795452561,73124,8151360.21%5795352662,25724,2891370.21%5795152762,78423,7621380.21%5795052863,31223,2331390.21%5794953063,84222,7041400.21%5794853164,37322,1731410.21%5794753264,90421,6411420.21%5794653365,43721,1081430.21%5794553465,97120,5741440.21%5794453566,50620,0391450.21%5794253667,04319,5031460.21%5794153767,58018,9651470.21%5794053968,11918,4271480.21%5793954068,65817,8871490.21%5793854169,19917,3461500.21%5793754269,74116,8041510.21%5793654370,28416,2611520.21%5793454470,82915,7171530.21%5793354571,37415,1711540.21%5793254771,92114,6251550.21%5793154872,46914,0771560.21%5793054973,01713,5281570.21%5792955073,56812,9781580.21%5792755174,11912,4271590.21%5792655274,67111,8741600.21%5792555475,22511,3211610.21%5792455575,77910,7661620.21%5792355676,33510,2101630.21%5792255776,8929,6531640.21%5792055877,4519,0951650.21%5791955978,0108,5351660.21%5791856178,5717,9751670.21%5791756279,1337,4131680.21%5791656379,6966,8501690.21%5791456480,2606,2861700.21%5791356580,8255,7201710.21%5791256781,3925,1541720.21%5791156881,9604,5861730.21%5791056982,5294,0171740.21%579957083,0993,4471750.21%579757183,6702,8751760.21%579657384,2432,3031770.21%579557484,8171,7291780.21%579457585,3921,1541790.21%579257685,9685771800.21%579157786,5460

ao2PRESTAMO INDICIADOConstruir el cuadro de amortizacin de una operacin con las siguientes caractersticas:Capital prestado =80.00%valor tasacinInters indiciadocomisin=1.00%865.46 Duracin = 15 aostasacin=1.00%865.46 Trminos amortizativos mensualesRevisin anualvalor de tasacin=108182J(12)=2.54%m=12n=15n*m=180a=579i=0.21%C0 =(86,546)Gastos y comisiones=1730.912PerodoRditoTrminoCuota deCuota deCapitalCapitalperodoamortizativointersamortizacinamortizadovivoOrigen(84,815)86,54610.21%57918339639686,15020.21%57918239679285,7540.24%2.865%=coste efectivo30.21%5791823971,18985,35740.21%5791813981,58784,95850.21%5791803991,98684,56060.21%5791794002,38684,16070.21%5791784012,78683,75980.21%5791774013,18883,35890.21%5791764023,59082,956100.21%5791764033,99382,553110.21%5791754044,39782,149120.21%5791744054,80281,744130.21%5791734065,20881,338140.21%5791724075,61480,931150.21%5791714076,02280,524160.21%5791704086,43080,116170.21%5791704096,83979,707180.21%5791694107,24979,297190.21%5791684117,66078,886200.21%5791674128,07178,474210.21%5791664138,48478,062220.21%5791654138,89877,648230.21%5791644149,31277,234240.21%5791634159,72776,818250.21%57916341610,14376,402260.21%57916241710,56075,985270.21%57916141810,97875,567280.21%57916041911,39775,149290.21%57915942011,81774,729300.21%57915842112,23774,309310.21%57915742112,65873,887320.21%57915642213,08173,465330.21%57915642313,50473,042340.21%57915542413,92872,617350.21%57915442514,35372,192360.21%57915342614,77971,767370.21%57915242715,20671,340380.21%57915142815,63470,912390.21%57915042916,06270,483400.21%57914943016,49270,054410.21%57914843016,92269,624420.21%57914743117,35369,192430.21%57914643217,78668,760440.21%57914643318,21968,327450.21%57914543418,65367,893460.21%57914443519,08867,458470.21%57914343619,52467,022480.21%57914243719,96166,585490.21%57914143820,39866,147500.21%57914043920,83765,708510.21%57913944021,27765,269520.21%57913844121,71764,828530.21%57913744122,15964,387540.21%57913644222,60163,944550.21%57913544323,04563,501560.21%57913444423,48963,057570.21%57913344523,93462,611580.21%57913344624,38062,165590.21%57913244724,82761,718600.21%57913144825,27661,270610.21%57913044925,72560,821620.21%57912945026,17460,371630.21%57912845126,62559,920640.21%57912745227,07759,468650.21%57912645327,53059,015660.21%57912545427,98458,562670.21%57912445528,43958,107680.21%57912345628,89457,651690.21%57912245729,35157,195700.21%57912145829,80956,737710.21%57912045930,26756,278720.21%57911946030,72755,819730.21%57911846131,18755,358740.21%57911746231,64954,897750.21%57911646332,11254,434760.21%57911546332,57553,971770.21%57911446433,03953,506780.21%57911346533,50553,041790.21%57911246633,97152,574800.21%57911146734,43952,107810.21%57911046834,90751,638820.21%57910946935,37751,169830.21%57910847035,84750,699840.21%57910747136,31850,227850.21%57910647236,79149,755860.21%57910547337,26449,281870.21%57910447437,73948,807880.21%57910347538,21448,332890.21%57910247638,69047,855900.21%57910147739,16847,378910.21%57910047839,64646,899920.21%5799947940,12646,420930.21%5799848040,60645,939940.21%5799748141,08845,458950.21%5799648241,57044,976960.21%5799548442,05444,492970.21%5799448542,53844,007980.21%5799348643,02443,522990.21%5799248743,51043,0351000.21%5799148843,99842,5481010.21%5799048944,48742,0591020.21%5798949044,97641,5691030.21%5798849145,46741,0791040.21%5798749245,95940,5871050.21%5798649346,45140,0941060.21%5798549446,94539,6001070.21%5798449547,44039,1051080.21%5798349647,93638,6091090.21%5798249748,43338,1121100.21%5798149848,93137,6141110.21%5798049949,43037,1151120.21%5797950049,93036,6151130.21%5797850150,43236,1141140.21%5797650250,93435,6121150.21%5797550351,43735,1081160.21%5797450451,94234,6041170.21%5797350552,44734,0991180.21%5797250752,95433,5921190.21%5797150853,46133,0841200.21%5797050953,97032,5761210.21%5796951054,48032,0661220.21%5796851154,99031,5551230.21%5796751255,50231,0431240.21%5796651356,01530,5301250.21%5796551456,52930,0161260.21%5796451557,04529,5011270.21%5796251657,56128,9851280.21%5796151758,07828,4671290.21%5796051858,59727,9491300.21%5795952059,11627,4291310.21%5795852159,63726,9091320.21%5795752260,15926,3871330.21%5795652360,68225,8641340.21%5795552461,20525,3401350.21%5795452561,73124,8151360.21%5795352662,25724,2891370.21%5795152762,78423,7621380.21%5795052863,31223,2331390.21%5794953063,84222,7041400.21%5794853164,37322,1731410.21%5794753264,90421,6411420.21%5794653365,43721,1081430.21%5794553465,97120,5741440.21%5794453566,50620,0391450.21%5794253667,04319,5031460.21%5794153767,58018,9651470.21%5794053968,11918,4271480.21%5793954068,65817,8871490.21%5793854169,19917,3461500.21%5793754269,74116,8041510.21%5793654370,28416,2611520.21%5793454470,82915,7171530.21%5793354571,37415,1711540.21%5793254771,92114,6251550.21%5793154872,46914,0771560.21%5793054973,01713,5281570.21%5792955073,56812,9781580.21%5792755174,11912,4271590.21%5792655274,67111,8741600.21%5792555475,22511,3211610.21%5792455575,77910,7661620.21%5792355676,33510,2101630.21%5792255776,8929,6531640.21%5792055877,4519,0951650.21%5791955978,0108,5351660.21%5791856178,5717,9751670.21%5791756279,1337,4131680.21%5791656379,6966,8501690.21%5791456480,2606,2861700.21%5791356580,8255,7201710.21%5791256781,3925,1541720.21%5791156881,9604,5861730.21%5791056982,5294,0171740.21%579957083,0993,4471750.21%579757183,6702,8751760.21%579657384,2432,3031770.21%579557484,8171,7291780.21%579457585,3921,1541790.21%579257685,9685771800.21%579157786,5460PRIMER AOj(12) =2.74%n =180a=579i=0.23%C0 =(86,546)SEGUNDO AOj(12) =3.75%n =168a=626i=0.31%C0 =(81,744)PerodoRditoTrminoCuota deCuota deCapitalCapitalperodoamortizativointersamortizacinamortizadovivoOrigen(84,815)86,54610.21%57918339639686,15020.21%57918239679285,7540.32%3.945%=coste efectivo30.21%5791823971,18985,35740.21%5791813981,58784,95850.21%5791803991,98684,56060.21%5791794002,38684,16070.21%5791784012,78683,75980.21%5791774013,18883,35890.21%5791764023,59082,956100.21%5791764033,99382,553110.21%5791754044,39782,149120.21%5791744054,80281,744130.31%6262553715,17381,373140.31%6262543725,54481,001150.31%6262533735,91780,628160.31%6262523746,29280,254170.31%6262513756,66779,879180.31%6262503777,04479,502190.31%6262483787,42179,124200.31%6262473797,80078,745210.31%6262463808,18078,365220.31%6262453818,56277,984230.31%6262443828,94477,602240.31%6262433849,32877,218250.31%6262413859,71376,833260.31%62624038610,09976,447270.31%62623938710,48676,060280.31%62623838810,87475,671290.31%62623639011,26475,282300.31%62623539111,65574,891310.31%62623439212,04774,499320.31%62623339312,44074,105330.31%62623239512,83573,711340.31%62623039613,23173,315350.31%62622939713,62872,918360.31%62622839814,02672,519370.31%62622740014,42672,120380.31%62622540114,82771,719390.31%62622440215,22971,317400.31%62622340315,63270,914410.31%62622240516,03670,509420.31%62622040616,44270,103430.31%62621940716,84969,696440.31%62621840817,25869,288450.31%62621741017,66768,878460.31%62621541118,07868,467470.31%62621441218,49068,055480.31%62621341318,90467,642490.31%62621141519,31967,227500.31%62621041619,73566,811510.31%62620941720,15266,393520.31%62620741920,57165,975530.31%62620642020,99165,555540.31%62620542121,41265,133550.31%62620442321,83564,711560.31%62620242422,25964,287570.31%62620142522,68463,862580.31%62620042723,11163,435590.31%62619842823,53863,007600.31%62619742923,96862,578610.31%62619643124,39862,147620.31%62619443224,83061,715630.31%62619343325,26461,282640.31%62619243525,69860,847650.31%62619043626,13460,411660.31%62618943726,57259,974670.31%62618743927,01059,535680.31%62618644027,45059,095690.31%62618544127,89258,654700.31%62618344328,33558,211710.31%62618244428,77957,766720.31%62618144629,22557,321730.31%62617944729,67256,874740.31%62617844830,12056,425750.31%62617645030,57055,976760.31%62617545131,02155,524770.31%62617445331,47455,072780.31%62617245431,92854,618790.31%62617145532,38354,162800.31%62616945732,84053,705810.31%62616845833,29953,247820.31%62616646033,75852,787830.31%62616546134,22052,326840.31%62616446334,68251,863850.31%62616246435,14651,399860.31%62616146635,61250,934870.31%62615946736,07950,467880.31%62615846836,54749,998890.31%62615647037,01749,528900.31%62615547137,48949,057910.31%62615347337,96248,584920.31%62615247438,43648,110930.31%62615047638,91247,634940.31%62614947739,38947,157950.31%62614747939,86846,678960.31%62614648040,34846,197970.31%62614448240,83045,716980.31%62614348341,31345,232990.31%62614148541,79844,7481000.31%62614048642,28444,2611010.31%62613848842,77243,7731020.31%62613748943,26243,2841030.31%62613549143,75242,7931040.31%62613449244,24542,3011050.31%62613249444,73941,8071060.31%62613149645,23441,3111070.31%62612949745,73140,8141080.31%62612849946,23040,3161090.31%62612650046,73039,8151100.31%62612450247,23239,3141110.31%62612350347,73538,8101120.31%62612150548,24038,3051130.31%62612050648,74737,7991140.31%62611850849,25537,2911150.31%62611751049,76436,7811160.31%62611551150,27636,2701170.31%62611351350,78835,7571180.31%62611251451,30335,2431190.31%62611051651,81934,7271200.31%62610951852,33634,2091210.31%62610751952,85633,6901220.31%62610552153,37733,1691230.31%62610452353,89932,6471240.31%62610252454,42332,1221250.31%62610052654,94931,5971260.31%6269952755,47631,0691270.31%6269752956,00530,5401280.31%6269553156,53630,0091290.31%6269453257,06929,4771300.31%6269253457,60328,9431310.31%6269053658,13828,4071320.31%6268953758,67627,8701330.31%6268753959,21527,3311340.31%6268554159,75626,7901350.31%6268454260,29826,2481360.31%6268254460,84225,7031370.31%6268054661,38825,1581380.31%6267954861,93624,6101390.31%6267754962,48524,0611400.31%6267555163,03623,5101410.31%6267355363,58822,9571420.31%6267255464,14322,4031430.31%6267055664,69921,8471440.31%6266855865,25721,2891450.31%6266756065,81720,7291460.31%6266556166,37820,1681470.31%6266356366,94119,6051480.31%6266156567,50619,0401490.31%6265956768,07318,4731500.31%6265856868,64117,9051510.31%6265657069,21117,3341520.31%6265457269,78316,7621530.31%6265257470,35716,1891540.31%6265157670,93315,6131550.31%6264957771,51015,0361560.31%6264757972,08914,4561570.31%6264558172,67013,8751580.31%6264358373,25313,2931590.31%6264258573,83812,7081600.31%6264058674,42412,1221610.31%6263858875,01211,5331620.31%6263659075,60210,9431630.31%6263459276,19410,3511640.31%6263259476,7889,7571650.31%6263059677,3849,1621660.31%6262959877,9818,5641670.31%6262759978,5817,9651680.31%6262560179,1827,3641690.31%6262360379,7856,7601700.31%6262160580,3906,1551710.31%6261960780,9975,5481720.31%6261760981,6064,9401730.31%6261561182,2174,3291740.31%6261461382,8293,7161750.31%6261261583,4443,1021760.31%6261061684,0602,4851770.31%626861884,6791,8671780.31%626662085,2991,2461790.31%626462285,9216241800.31%626262486,5460000000000000000000000000000000000000000000

ao3PRESTAMO INDICIADOConstruir el cuadro de amortizacin de una operacin con las siguientes caractersticas:Capital prestado =80.00%valor tasacinInters indiciadocomisin=1.00%$865.46Duracin = 15 aostasacin=1.00%$865.46Trminos amortizativos mensualesRevisin anualvalor de tasacin=108182J(12)=2.54%m=12n=15n*m=180a=579i=0.21%C0 =(86,546)Gastos y comisiones=1730.912PerodoRditoTrminoCuota deCuota deCapitalCapitalperodoamortizativointersamortizacinamortizadovivoOrigen(84,815)86,54610.21%57918339639686,15020.21%57918239679285,7540.24%2.865%=coste efectivo30.21%5791823971,18985,35740.21%5791813981,58784,95850.21%5791803991,98684,56060.21%5791794002,38684,16070.21%5791784012,78683,75980.21%5791774013,18883,35890.21%5791764023,59082,956100.21%5791764033,99382,553110.21%5791754044,39782,149120.21%5791744054,80281,744130.21%5791734065,20881,338140.21%5791724075,61480,931150.21%5791714076,02280,524160.21%5791704086,43080,116170.21%5791704096,83979,707180.21%5791694107,24979,297190.21%5791684117,66078,886200.21%5791674128,07178,474210.21%5791664138,48478,062220.21%5791654138,89877,648230.21%5791644149,31277,234240.21%5791634159,72776,818250.21%57916341610,14376,402260.21%57916241710,56075,985270.21%57916141810,97875,567280.21%57916041911,39775,149290.21%57915942011,81774,729300.21%57915842112,23774,309310.21%57915742112,65873,887320.21%57915642213,08173,465330.21%57915642313,50473,042340.21%57915542413,92872,617350.21%57915442514,35372,192360.21%57915342614,77971,767370.21%57915242715,20671,340380.21%57915142815,63470,912390.21%57915042916,06270,483400.21%57914943016,49270,054410.21%57914843016,92269,624420.21%57914743117,35369,192430.21%57914643217,78668,760440.21%57914643318,21968,327450.21%57914543418,65367,893460.21%57914443519,08867,458470.21%57914343619,52467,022480.21%57914243719,96166,585490.21%57914143820,39866,147500.21%57914043920,83765,708510.21%57913944021,27765,269520.21%57913844121,71764,828530.21%57913744122,15964,387540.21%57913644222,60163,944550.21%57913544323,04563,501560.21%57913444423,48963,057570.21%57913344523,93462,611580.21%57913344624,38062,165590.21%57913244724,82761,718600.21%57913144825,27661,270610.21%57913044925,72560,821620.21%57912945026,17460,371630.21%57912845126,62559,920640.21%57912745227,07759,468650.21%57912645327,53059,015660.21%57912545427,98458,562670.21%57912445528,43958,107680.21%57912345628,89457,651690.21%57912245729,35157,195700.21%57912145829,80956,737710.21%57912045930,26756,278720.21%57911946030,72755,819730.21%57911846131,18755,358740.21%57911746231,64954,897750.21%57911646332,11254,434760.21%57911546332,57553,971770.21%57911446433,03953,506780.21%57911346533,50553,041790.21%57911246633,97152,574800.21%57911146734,43952,107810.21%57911046834,90751,638820.21%57910946935,37751,169830.21%57910847035,84750,699840.21%57910747136,31850,227850.21%57910647236,79149,755860.21%57910547337,26449,281870.21%57910447437,73948,807880.21%57910347538,21448,332890.21%57910247638,69047,855900.21%57910147739,16847,378910.21%57910047839,64646,899920.21%5799947940,12646,420930.21%5799848040,60645,939940.21%5799748141,08845,458950.21%5799648241,57044,976960.21%5799548442,05444,492970.21%5799448542,53844,007980.21%5799348643,02443,522990.21%5799248743,51043,0351000.21%5799148843,99842,5481010.21%5799048944,48742,0591020.21%5798949044,97641,5691030.21%5798849145,46741,0791040.21%5798749245,95940,5871050.21%5798649346,45140,0941060.21%5798549446,94539,6001070.21%5798449547,44039,1051080.21%5798349647,93638,6091090.21%5798249748,43338,1121100.21%5798149848,93137,6141110.21%5798049949,43037,1151120.21%5797950049,93036,6151130.21%5797850150,43236,1141140.21%5797650250,93435,6121150.21%5797550351,43735,1081160.21%5797450451,94234,6041170.21%5797350552,44734,0991180.21%5797250752,95433,5921190.21%5797150853,46133,0841200.21%5797050953,97032,5761210.21%5796951054,48032,0661220.21%5796851154,99031,5551230.21%5796751255,50231,0431240.21%5796651356,01530,5301250.21%5796551456,52930,0161260.21%5796451557,04529,5011270.21%5796251657,56128,9851280.21%5796151758,07828,4671290.21%5796051858,59727,9491300.21%5795952059,11627,4291310.21%5795852159,63726,9091320.21%5795752260,15926,3871330.21%5795652360,68225,8641340.21%5795552461,20525,3401350.21%5795452561,73124,8151360.21%5795352662,25724,2891370.21%5795152762,78423,7621380.21%5795052863,31223,2331390.21%5794953063,84222,7041400.21%5794853164,37322,1731410.21%5794753264,90421,6411420.21%5794653365,43721,1081430.21%5794553465,97120,5741440.21%5794453566,50620,0391450.21%5794253667,04319,5031460.21%5794153767,58018,9651470.21%5794053968,11918,4271480.21%5793954068,65817,8871490.21%5793854169,19917,3461500.21%5793754269,74116,8041510.21%5793654370,28416,2611520.21%5793454470,82915,7171530.21%5793354571,37415,1711540.21%5793254771,92114,6251550.21%5793154872,46914,0771560.21%5793054973,01713,5281570.21%5792955073,56812,9781580.21%5792755174,11912,4271590.21%5792655274,67111,8741600.21%5792555475,22511,3211610.21%5792455575,77910,7661620.21%5792355676,33510,2101630.21%5792255776,8929,6531640.21%5792055877,4519,0951650.21%5791955978,0108,5351660.21%5791856178,5717,9751670.21%5791756279,1337,4131680.21%5791656379,6966,8501690.21%5791456480,2606,2861700.21%5791356580,8255,7201710.21%5791256781,3925,1541720.21%5791156881,9604,5861730.21%5791056982,5294,0171740.21%579957083,0993,4471750.21%579757183,6702,8751760.21%579657384,2432,3031770.21%579557484,8171,7291780.21%579457585,3921,1541790.21%579257685,9685771800.21%579157786,5460PRIMER AOj(12) =2.54%n =180a=579i=0.21%C0 =(86,546)SEGUNDO AOj(12) =3.75%n =168a=626i=0.31%C0 =(81,744)PerodoRditoTrminoCuota deCuota deCapitalCapitalperodoamortizativointersamortizacinamortizadovivoOrigen(84,815)86,54610.21%57918339639686,15020.21%57918239679285,7540.32%3.945%=coste efectivo30.21%5791823971,18985,35740.21%5791813981,58784,95850.21%5791803991,98684,56060.21%5791794002,38684,16070.21%5791784012,78683,75980.21%5791774013,18883,35890.21%5791764023,59082,956100.21%5791764033,99382,553110.21%5791754044,39782,149120.21%5791744054,80281,744130.31%6262553715,17381,373140.31%6262543725,54481,001150.31%6262533735,91780,628160.31%6262523746,29280,254170.31%6262513756,66779,879180.31%6262503777,04479,502190.31%6262483787,42179,124200.31%6262473797,80078,745210.31%6262463808,18078,365220.31%6262453818,56277,984230.31%6262443828,94477,602240.31%6262433849,32877,218250.31%6262413859,71376,833260.31%62624038610,09976,447270.31%62623938710,48676,060280.31%62623838810,87475,671290.31%62623639011,26475,282300.31%62623539111,65574,891310.31%62623439212,04774,499320.31%62623339312,44074,105330.31%62623239512,83573,711340.31%62623039613,23173,315350.31%62622939713,62872,918360.31%62622839814,02672,519370.31%62622740014,42672,120380.31%62622540114,82771,719390.31%62622440215,22971,317400.31%62622340315,63270,914410.31%62622240516,03670,509420.31%62622040616,44270,103430.31%62621940716,84969,696440.31%62621840817,25869,288450.31%62621741017,66768,878460.31%62621541118,07868,467470.31%62621441218,49068,055480.31%62621341318,90467,642490.31%62621141519,31967,227500.31%62621041619,73566,811510.31%62620941720,15266,393520.31%62620741920,57165,975530.31%62620642020,99165,555540.31%62620542121,41265,133550.31%62620442321,83564,711560.31%62620242422,25964,287570.31%62620142522,68463,862580.31%62620042723,11163,435590.31%62619842823,53863,007600.31%62619742923,96862,578610.31%62619643124,39862,147620.31%62619443224,83061,715630.31%62619343325,26461,282640.31%62619243525,69860,847650.31%62619043626,13460,411660.31%62618943726,57259,974670.31%62618743927,01059,535680.31%62618644027,45059,095690.31%62618544127,89258,654700.31%62618344328,33558,211710.31%62618244428,77957,766720.31%62618144629,22557,321730.31%62617944729,67256,874740.31%62617844830,12056,425750.31%62617645030,57055,976760.31%62617545131,02155,524770.31%62617445331,47455,072780.31%62617245431,92854,618790.31%62617145532,38354,162800.31%62616945732,84053,705810.31%62616845833,29953,247820.31%62616646033,75852,787830.31%62616546134,22052,326840.31%62616446334,68251,863850.31%62616246435,14651,399860.31%62616146635,61250,934870.31%62615946736,07950,467880.31%62615846836,54749,998890.31%62615647037,01749,528900.31%62615547137,48949,057910.31%62615347337,96248,584920.31%62615247438,43648,110930.31%62615047638,91247,634940.31%62614947739,38947,157950.31%62614747939,86846,678960.31%62614648040,34846,197970.31%62614448240,83045,716980.31%62614348341,31345,232990.31%62614148541,79844,7481000.31%62614048642,28444,2611010.31%62613848842,77243,7731020.31%62613748943,26243,2841030.31%62613549143,75242,7931040.31%62613449244,24542,3011050.31%62613249444,73941,8071060.31%62613149645,23441,3111070.31%62612949745,73140,8141080.31%62612849946,23040,3161090.31%62612650046,73039,8151100.31%62612450247,23239,3141110.31%62612350347,73538,8101120.31%62612150548,24038,3051130.31%62612050648,74737,7991140.31%62611850849,25537,2911150.31%62611751049,76436,7811160.31%62611551150,27636,2701170.31%62611351350,78835,7571180.31%62611251451,30335,2431190.31%62611051651,81934,7271200.31%62610951852,33634,2091210.31%62610751952,85633,6901220.31%62610552153,37733,1691230.31%62610452353,89932,6471240.31%62610252454,42332,1221250.31%62610052654,94931,5971260.31%6269952755,47631,0691270.31%6269752956,00530,5401280.31%6269553156,53630,0091290.31%6269453257,06929,4771300.31%6269253457,60328,9431310.31%6269053658,13828,4071320.31%6268953758,67627,8701330.31%6268753959,21527,3311340.31%6268554159,75626,7901350.31%6268454260,29826,2481360.31%6268254460,84225,7031370.31%6268054661,38825,1581380.31%6267954861,93624,6101390.31%6267754962,48524,0611400.31%6267555163,03623,5101410.31%6267355363,58822,9571420.31%6267255464,14322,4031430.31%6267055664,69921,8471440.31%6266855865,25721,2891450.31%6266756065,81720,7291460.31%6266556166,37820,1681470.31%6266356366,94119,6051480.31%6266156567,50619,0401490.31%6265956768,07318,4731500.31%6265856868,64117,9051510.31%6265657069,21117,3341520.31%6265457269,78316,7621530.31%6265257470,35716,1891540.31%6265157670,93315,6131550.31%6264957771,51015,0361560.31%6264757972,08914,4561570.31%6264558172,67013,8751580.31%6264358373,25313,2931590.31%6264258573,83812,7081600.31%6264058674,42412,1221610.31%6263858875,01211,5331620.31%6263659075,60210,9431630.31%6263459276,19410,3511640.31%6263259476,7889,7571650.31%6263059677,3849,1621660.31%6262959877,9818,5641670.31%6262759978,5817,9651680.31%6262560179,1827,3641690.31%6262360379,7856,7601700.31%6262160580,3906,1551710.31%6261960780,9975,5481720.31%6261760981,6064,9401730.31%6261561182,2174,3291740.31%6261461382,8293,7161750.31%6261261583,4443,1021760.31%6261061684,0602,4851770.31%626861884,6791,8671780.31%626662085,2991,2461790.31%626462285,9216241800.31%626262486,5460PRIMER AOj(12) =2.54%TERCER AOj(12) =3.45%n =180a=579n=156i=0.21%i=0.29%C0 =0C0 =(77,218)SEGUNDO AOj(12) =3.75%a=615n =168a=626i=0.31%C0 =(81,744)PerodoRditoTrminoCuota deCuota deCapitalCapitalperodoamortizativointersamortizacinamortizadovivoOrigen(84,815)86,54610.21%57918339639686,15020.21%57918239679285,7540.30%3.717%=coste efectivo30.21%5791823971,18985,35740.21%5791813981,58784,95850.21%5791803991,98684,56060.21%5791794002,38684,16070.21%5791784012,78683,75980.21%5791774013,18883,35890.21%5791764023,59082,956100.21%5791764033,99382,553110.21%5791754044,39782,149120.21%5791744054,80281,744130.31%6262553715,17381,373140.31%6262543725,54481,001150.31%6262533735,91780,628160.31%6262523746,29280,254170.31%6262513756,66779,879180.31%6262503777,04479,502190.31%6262483787,42179,124200.31%6262473797,80078,745210.31%6262463808,18078,365220.31%6262453818,56277,984230.31%6262443828,94477,602240.31%6262433849,32877,218250.29%6152223939,72176,825260.29%61522139410,11576,431270.29%61522039510,51076,036280.29%61521939610,90675,639290.29%61521739711,30475,242300.29%61521639911,70274,843310.29%61521540012,10274,443320.29%61521440112,50374,042330.29%61521340212,90573,640340.29%61521240313,30873,237350.29%61521140413,71372,833360.29%61520940614,11872,427370.29%61520840714,52572,020380.29%61520740814,93371,613390.29%61520640915,34271,203400.29%61520541015,75270,793410.29%61520441116,16470,382420.29%61520241316,57669,969430.29%61520141416,99069,555440.29%61520041517,40569,140450.29%61519941617,82168,724460.29%61519841718,23968,307470.29%61519641918,65767,888480.29%61519542019,07767,469490.29%61519442119,49867,048500.29%61519342219,92066,625510.29%61519242320,34466,202520.29%61519042520,76865,777530.29%61518942621,19465,351540.29%61518842721,62164,924550.29%61518742822,05064,496560.29%61518543022,47964,067570.29%61518443122,91063,636580.29%61518343223,34263,204590.29%61518243323,77562,771600.29%61518043424,21062,336610.29%61517943624,64561,900620.29%61517843725,08261,463630.29%61517743825,52161,025640.29%61517544025,96060,586650.29%61517444126,40160,145660.29%61517344226,84359,703670.29%61517244327,28659,259680.29%61517044527,73158,815690.29%61516944628,17758,369700.29%61516844728,62457,922710.29%61516744829,07257,473720.29%61516545029,52257,024730.29%61516445129,97356,573740.29%61516345230,42556,120750.29%61516145430,87955,667760.29%61516045531,33455,212770.29%61515945631,79054,756780.29%61515745832,24854,298790.29%61515645932,70653,839800.29%61515546033,16753,379810.29%61515346133,62852,918820.29%61515246334,09152,455830.29%61515146434,55551,991840.29%61514946535,02051,525850.29%61514846735,48751,058860.29%61514746835,95550,590870.29%61514547036,42550,121880.29%61514447136,89649,650890.29%61514347237,36849,178900.29%61514147437,84248,704910.29%61514047538,31748,229920.29%61513947638,79347,753930.29%61513747839,27147,275940.29%61513647939,75046,796950.29%61513548040,23046,316960.29%61513348240,71245,834970.29%61513248341,19545,351980.29%61513048541,68044,866990.29%61512948642,16644,3801000.29%61512848742,65343,8931010.29%61512648943,14243,4041020.29%61512549043,63242,9141030.29%61512349244,12342,4221040.29%61512249344,61641,9291050.29%61512149445,11141,4351060.29%61511949645,60740,9391070.29%61511849746,10440,4421080.29%61511649946,60339,9431090.29%61511550047,10339,4431100.29%61511350247,60438,9411110.29%61511250348,10738,4381120.29%61511150448,61237,9341130.29%61510950649,11837,4281140.29%61510850749,62536,9211150.29%61510650950,13436,4121160.29%61510551050,64435,9021170.29%61510351251,15635,3901180.29%61510251351,66934,8771190.29%61510051552,18434,3621200.29%6159951652,70033,8461210.29%6159751853,21733,3281220.29%6159651953,73732,8091230.29%6159452154,25732,2881240.29%6159352254,77931,7661250.29%6159152455,30331,2431260.29%6159052555,82830,7171270.29%6158852756,35530,1911280.29%6158752856,88329,6631290.29%6158553057,41329,1331300.29%6158453157,94428,6021310.29%6158253358,47728,0691320.29%6158153459,01127,5351330.29%6157953659,54726,9991340.29%6157853760,08426,4621350.29%6157653960,62325,9231360.29%6157554061,16325,3821370.29%6157354261,70524,8401380.29%6157154462,24924,2971390.29%6157054562,79423,7521400.29%6156854763,34123,2051410.29%6156754863,88922,6571420.29%6156555064,43922,1071430.29%6156455164,99021,5561440.29%6156255365,54321,0031450.29%6156055566,09820,4481460.29%6155955666,65419,8921470.29%6155755867,21119,3341480.29%6155655967,77118,7751490.29%6155456168,33218,2141500.29%6155256368,89417,6511510.29%6155156469,45917,0871520.29%6154956670,02416,5211530.29%6154756770,59215,9541540.29%6154656971,16115,3851550.29%6154457171,73214,8141560.29%6154357272,30414,2421570.29%6154157472,87813,6681580.29%6153957673,45413,0921590.29%6153857774,03112,5151600.29%6153657974,61011,9361610.29%6153458175,19111,3551620.29%6153358275,77310,7731630.29%6153158476,35710,1891640.29%6152958676,9439,6031650.29%6152858777,5309,0161660.29%6152658978,1198,4271670.29%6152459178,7107,8361680.29%6152359279,3027,2431690.29%6152159479,8966,6491700.29%6151959680,4926,0531710.29%6151759881,0905,4561720.29%6151659981,6894,8571730.29%6151460182,2904,2561740.29%6151260382,8933,6531750.29%6151160483,4973,0481760.29%615960684,1032,4421770.29%615760884,7111,8341780.29%615561085,3211,2251790.29%615461185,9326131800.29%615261386,546(0)

cancelacin anticipadaPRESTAMO INDICIADOConstruir el cuadro de amortizacin de una operacin con las siguientes caractersticas:Capital prestado =80.00%valor tasacinInters indiciadocomisin=1.00%865.46 Duracin = 15 aostasacin=1.00%865.46 Trminos amortizativos mensualesRevisin anualvalor de tasacin=108182J(12)=2.54%m=12n=15n*m=180a=579i=0.21%C0 =(86,546)Gastos y comisiones=1730.912PerodoRditoTrminoCuota deCuota deCapitalCapitalperodoamortizativointersamortizacinamortizadovivoOrigen(84,815)86,54610.21%57918339639686,15020.21%57918239679285,7540.24%2.865%=coste efectivo30.21%5791823971,18985,35740.21%5791813981,58784,95850.21%5791803991,98684,56060.21%5791794002,38684,16070.21%5791784012,78683,75980.21%5791774013,18883,35890.21%5791764023,59082,956100.21%5791764033,99382,553110.21%5791754044,39782,149120.21%5791744054,80281,744130.21%5791734065,20881,338140.21%5791724075,61480,931150.21%5791714076,02280,524160.21%5791704086,43080,116170.21%5791704096,83979,707180.21%5791694107,24979,297190.21%5791684117,66078,886200.21%5791674128,07178,474210.21%5791664138,48478,062220.21%5791654138,89877,648230.21%5791644149,31277,234240.21%5791634159,72776,818250.21%57916341610,14376,402260.21%57916241710,56075,985270.21%57916141810,97875,567280.21%57916041911,39775,149290.21%57915942011,81774,729300.21%57915842112,23774,309310.21%57915742112,65873,887320.21%57915642213,08173,465330.21%57915642313,50473,042340.21%57915542413,92872,617350.21%57915442514,35372,192360.21%57915342614,77971,767370.21%57915242715,20671,340380.21%57915142815,63470,912390.21%57915042916,06270,483400.21%57914943016,49270,054410.21%57914843016,92269,624420.21%57914743117,35369,192430.21%57914643217,78668,760440.21%57914643318,21968,327450.21%57914543418,65367,893460.21%57914443519,08867,458470.21%57914343619,52467,022480.21%57914243719,96166,585490.21%57914143820,39866,147500.21%57914043920,83765,708510.21%57913944021,27765,269520.21%57913844121,71764,828530.21%57913744122,15964,387540.21%57913644222,60163,944550.21%57913544323,04563,501560.21%57913444423,48963,057570.21%57913344523,93462,611580.21%57913344624,38062,165590.21%57913244724,82761,718600.21%57913144825,27661,270610.21%57913044925,72560,821620.21%57912945026,17460,371630.21%57912845126,62559,920640.21%57912745227,07759,468650.21%57912645327,53059,015660.21%57912545427,98458,562670.21%57912445528,43958,107680.21%57912345628,89457,651690.21%57912245729,35157,195700.21%57912145829,80956,737710.21%57912045930,26756,278720.21%57911946030,72755,819730.21%57911846131,18755,358740.21%57911746231,64954,897750.21%57911646332,11254,434760.21%57911546332,57553,971770.21%57911446433,03953,506780.21%57911346533,50553,041790.21%57911246633,97152,574800.21%57911146734,43952,107810.21%57911046834,90751,638820.21%57910946935,37751,169830.21%57910847035,84750,699840.21%57910747136,31850,227850.21%57910647236,79149,755860.21%57910547337,26449,281870.21%57910447437,73948,807880.21%57910347538,21448,332890.21%57910247638,69047,855900.21%57910147739,16847,378910.21%57910047839,64646,899920.21%5799947940,12646,420930.21%5799848040,60645,939940.21%5799748141,08845,458950.21%5799648241,57044,976960.21%5799548442,05444,492970.21%5799448542,53844,007980.21%5799348643,02443,522990.21%5799248743,51043,0351000.21%5799148843,99842,5481010.21%5799048944,48742,0591020.21%5798949044,97641,5691030.21%5798849145,46741,0791040.21%5798749245,95940,5871050.21%5798649346,45140,0941060.21%5798549446,94539,6001070.21%5798449547,44039,1051080.21%5798349647,93638,6091090.21%5798249748,43338,1121100.21%5798149848,93137,6141110.21%5798049949,43037,1151120.21%5797950049,93036,6151130.21%5797850150,43236,1141140.21%5797650250,93435,6121150.21%5797550351,43735,1081160.21%5797450451,94234,6041170.21%5797350552,44734,0991180.21%5797250752,95433,5921190.21%5797150853,46133,0841200.21%5797050953,97032,5761210.21%5796951054,48032,0661220.21%5796851154,99031,5551230.21%5796751255,50231,0431240.21%5796651356,01530,5301250.21%5796551456,52930,0161260.21%5796451557,04529,5011270.21%5796251657,56128,9851280.21%5796151758,07828,4671290.21%5796051858,59727,9491300.21%5795952059,11627,4291310.21%5795852159,63726,9091320.21%5795752260,15926,3871330.21%5795652360,68225,8641340.21%5795552461,20525,3401350.21%5795452561,73124,8151360.21%5795352662,25724,2891370.21%5795152762,78423,7621380.21%5795052863,31223,2331390.21%5794953063,84222,7041400.21%5794853164,37322,1731410.21%5794753264,90421,6411420.21%5794653365,43721,1081430.21%5794553465,97120,5741440.21%5794453566,50620,0391450.21%5794253667,04319,5031460.21%5794153767,58018,9651470.21%5794053968,11918,4271480.21%5793954068,65817,8871490.21%5793854169,19917,3461500.21%5793754269,74116,8041510.21%5793654370,28416,2611520.21%5793454470,82915,7171530.21%5793354571,37415,1711540.21%5793254771,92114,6251550.21%5793154872,46914,0771560.21%5793054973,01713,5281570.21%5792955073,56812,9781580.21%5792755174,11912,4271590.21%5792655274,67111,8741600.21%5792555475,22511,3211610.21%5792455575,77910,7661620.21%5792355676,33510,2101630.21%5792255776,8929,6531640.21%5792055877,4519,0951650.21%5791955978,0108,5351660.21%5791856178,5717,9751670.21%5791756279,1337,4131680.21%5791656379,6966,8501690.21%5791456480,2606,2861700.21%5791356580,8255,7201710.21%5791256781,3925,1541720.21%5791156881,9604,5861730.21%5791056982,5294,0171740.21%579957083,0993,4471750.21%579757183,6702,8751760.21%579657384,2432,3031770.21%579557484,8171,7291780.21%579457585,3921,1541790.21%579257685,9685771800.21%579157786,5460PRIMER AOj(12) =2.54%n =180a=579i=0.21%C0 =(86,546)SEGUNDO AOj(12) =3.75%n =168a=626i=0.31%C0 =(81,744)PerodoRditoTrminoCuota deCuota deCapitalCapitalperodoamortizativointersamortizacinamortizadovivoOrigen(84,815)86,54610.21%57918339639686,15020.21%57918239679285,7540.32%3.945%=coste efectivo30.21%5791823971,18985,35740.21%5791813981,58784,95850.21%5791803991,98684,56060.21%5791794002,38684,16070.21%5791784012,78683,75980.21%5791774013,18883,35890.21%5791764023,59082,956100.21%5791764033,99382,553110.21%5791754044,39782,149120.21%5791744054,80281,744130.31%6262553715,17381,373140.31%6262543725,54481,001150.31%6262533735,91780,628160.31%6262523746,29280,254170.31%6262513756,66779,879180.31%6262503777,04479,502190.31%6262483787,42179,124200.31%6262473797,80078,745210.31%6262463808,18078,365220.31%6262453818,56277,984230.31%6262443828,94477,602240.31%6262433849,32877,218250.31%6262413859,71376,833260.31%62624038610,09976,447270.31%62623938710,48676,060280.31%62623838810,87475,671290.31%62623639011,26475,282300.31%62623539111,65574,891310.31%62623439212,04774,499320.31%62623339312,44074,105330.31%62623239512,83573,711340.31%62623039613,23173,315350.31%62622939713,62872,918360.31%62622839814,02672,519370.31%62622740014,42672,120380.31%62622540114,82771,719390.31%62622440215,22971,317400.31%62622340315,63270,914410.31%62622240516,03670,509420.31%62622040616,44270,103430.31%62621940716,84969,696440.31%62621840817,25869,288450.31%62621741017,66768,878460.31%62621541118,07868,467470.31%62621441218,49068,055480.31%62621341318,90467,642490.31%62621141519,31967,227500.31%62621041619,73566,811510.31%62620941720,15266,393520.31%62620741920,57165,975530.31%62620642020,99165,555540.31%62620542121,41265,133550.31%62620442321,83564,711560.31%62620242422,25964,287570.31%62620142522,68463,862580.31%62620042723,11163,435590.31%62619842823,53863,007600.31%62619742923,96862,578610.31%62619643124,39862,147620.31%62619443224,83061,715630.31%62619343325,26461,282640.31%62619243525,69860,847650.31%62619043626,13460,411660.31%62618943726,57259,974670.31%62618743927,01059,535680.31%62618644027,45059,095690.31%62618544127,89258,654700.31%62618344328,33558,211710.31%62618244428,77957,766720.31%62618144629,22557,321730.31%62617944729,67256,874740.31%62617844830,12056,425750.31%62617645030,57055,976760.31%62617545131,02155,524770.31%62617445331,47455,072780.31%62617245431,92854,618790.31%62617145532,38354,162800.31%62616945732,84053,705810.31%62616845833,29953,247820.31%62616646033,75852,787830.31%62616546134,22052,326840.31%62616446334,68251,863850.31%62616246435,14651,399860.31%62616146635,61250,934870.31%62615946736,07950,467880.31%62615846836,54749,998890.31%62615647037,01749,528900.31%62615547137,48949,057910.31%62615347337,96248,584920.31%62615247438,43648,110930.31%62615047638,91247,634940.31%62614947739,38947,157950.31%62614747939,86846,678960.31%62614648040,34846,197970.31%62614448240,83045,716980.31%62614348341,31345,232990.31%62614148541,79844,7481000.31%62614048642,28444,2611010.31%62613848842,77243,7731020.31%62613748943,26243,2841030.31%62613549143,75242,7931040.31%62613449244,24542,3011050.31%62613249444,73941,8071060.31%62613149645,23441,3111070.31%62612949745,73140,8141080.31%62612849946,23040,3161090.31%62612650046,73039,8151100.31%62612450247,23239,3141110.31%62612350347,73538,8101120.31%62612150548,24038,3051130.31%62612050648,74737,7991140.31%62611850849,25537,2911150.31%62611751049,76436,7811160.31%62611551150,27636,2701170.31%62611351350,78835,7571180.31%62611251451,30335,2431190.31%62611051651,81934,7271200.31%62610951852,33634,2091210.31%62610751952,85633,6901220.31%62610552153,37733,1691230.31%62610452353,89932,6471240.31%62610252454,42332,1221250.31%62610052654,94931,5971260.31%6269952755,47631,0691270.31%6269752956,00530,5401280.31%6269553156,53630,0091290.31%6269453257,06929,4771300.31%6269253457,60328,9431310.31%6269053658,13828,4071320.31%6268953758,67627,8701330.31%6268753959,21527,3311340.31%6268554159,75626,7901350.31%6268454260,29826,2481360.31%6268254460,84225,7031370.31%6268054661,38825,1581380.31%6267954861,93624,6101390.31%6267754962,48524,0611400.31%6267555163,03623,5101410.31%6267355363,58822,9571420.31%6267255464,14322,4031430.31%6267055664,69921,8471440.31%6266855865,25721,2891450.31%6266756065,81720,7291460.31%6266556166,37820,1681470.31%6266356366,94119,6051480.31%6266156567,50619,0401490.31%6265956768,07318,4731500.31%6265856868,64117,9051510.31%6265657069,21117,3341520.31%6265457269,78316,7621530.31%6265257470,35716,1891540.31%6265157670,93315,6131550.31%6264957771,51015,0361560.31%6264757972,08914,4561570.31%6264558172,67013,8751580.31%6264358373,25313,2931590.31%6264258573,83812,7081600.31%6264058674,42412,1221610.31%6263858875,01211,5331620.31%6263659075,60210,9431630.31%6263459276,19410,3511640.31%6263259476,7889,7571650.31%6263059677,3849,1621660.31%6262959877,9818,5641670.31%6262759978,5817,9651680.31%6262560179,1827,3641690.31%6262360379,7856,7601700.31%6262160580,3906,1551710.31%6261960780,9975,5481720.31%6261760981,6064,9401730.31%6261561182,2174,3291740.31%6261461382,8293,7161750.31%6261261583,4443,1021760.31%6261061684,0602,4851770.31%626861884,6791,8671780.31%626662085,2991,2461790.31%626462285,9216241800.31%626262486,5460PRIMER AOj(12) =2.54%TERCER AOj(12) =3.45%n =180a=579n=156i=0.21%i=0.29%C0 =0C0 =(77,218)SEGUNDO AOj(12) =3.75%a=615a=564n =168a=626i=0.31%en periodo 36 aporta =6000C0 =(81,744)comisin=0.0160.00 n=144PerodoRditoTrminoCuota deCuota deCapitalCapitalperodoamortizativointersamortizacinamortizadovivoOrigen(84,815)86,54610.21%57918339639686,15020.21%57918239679285,7540.22%2.732%=coste efectivo30.21%5791823971,18985,35740.21%5791813981,58784,95850.21%5791803991,98684,56060.21%5791794002,38684,16070.21%5791784012,78683,75980.21%5791774013,18883,35890.21%5791764023,59082,956100.21%5791764033,99382,553110.21%5791754044,39782,149120.21%5791744054,80281,744130.31%6262553715,17381,373140.31%6262543725,54481,001150.31%6262533735,91780,628160.31%6262523746,29280,254170.31%6262513756,66779,879180.31%6262503777,04479,502190.31%6262483787,42179,124200.31%6262473797,80078,745210.31%6262463808,18078,365220.31%6262453818,56277,984230.31%6262443828,94477,602240.31%6262433849,32877,218250.29%6152223939,72176,825260.29%61522139410,11576,431270.29%61522039510,51076,036280.29%61521939610,90675,639290.29%61521739711,30475,242300.29%61521639911,70274,843310.29%61521540012,10274,443320.29%61521440112,50374,042330.29%61521340212,90573,640340.29%61521240313,30873,237350.29%61521140413,71372,833360.29%61520940614,11866,3676060370.29%56419137314,49165,994380.29%56419037414,86565,621390.29%56418937515,24065,246400.29%56418837615,61664,870410.29%56418737715,99364,493420.29%56418537816,37164,115430.29%56418437916,75063,736440.29%56418338017,13063,355450.29%56418238117,51262,974460.29%56418138217,89462,592470.29%56418038418,27862,208480.29%56417938518,66261,823490.29%56417838619,04861,438500.29%56417738719,43561,051510.29%56417638819,82360,663520.29%56417438920,21260,274530.29%56417339020,60259,883540.29%56417239120,99359,492550.29%56417139221,38659,100560.29%56417039421,78058,706570.29%56416939522,17458,311580.29%56416839622,57057,915590.29%56416739722,96757,519600.29%56416539823,36557,120610.29%56416439923,76556,721620.29%56416340024,16556,321630.29%56416240224,56755,919640.29%56416140324,96955,516650.29%56416040425,37355,112660.29%56415840525,77854,707670.29%56415740626,18454,301680.29%56415640726,59253,894690.29%56415540927,00053,485700.29%56415441027,41053,075710.29%56415341127,82152,665720.29%56415141228,23352,252730.29%56415041328,64651,839740.29%56414941429,06151,425750.29%56414841629,47751,009760.29%56414741729,89350,592770.29%56414541830,31150,174780.29%56414441930,73149,755790.29%56414342031,15149,334800.29%56414242231,57348,913810.29%56414142331,99648,490820.29%56413942432,42048,066830.29%56413842532,84547,641840.29%56413742733,27247,214850.29%56413642833,69946,786860.29%56413542934,12846,357870.29%56413343034,55945,927880.29%56413243134,99045,496890.29%56413143335,42345,063900.29%56413043435,85744,629910.29%56412843536,29244,194920.29%56412743636,72843,757930.29%56412643837,16643,320940.29%56412543937,60542,881950.29%56412344038,04542,440960.29%56412244138,48741,999970.29%56412144338,92941,556980.29%56411944439,37341,112990.29%56411844539,81940,6671000.29%56411744740,26540,2201010.29%56411644840,71339,7721020.29%56411444941,16239,3231030.29%56411345041,61338,8731040.29%56411245242,06538,4211050.29%56411045342,51837,9681060.29%56410945442,97237,5141070.29%56410845643,42837,0581080.29%56410745743,88536,6011090.29%56410545844,34336,1431100.29%56410446044,80235,6831110.29%56410346145,26335,2221120.29%56410146245,72634,7601130.29%56410046446,18934,2961140.29%5649946546,65433,8321150.29%5649746647,12033,3651160.29%5649646847,58832,8981170.29%5649546948,05732,4291180.29%5649347048,52731,9591190.29%5649247248,99931,4871200.29%5649147349,47231,0141210.29%5648947449,94630,5401220.29%5648847650,42230,0641230.29%5648647750,89929,5871240.29%5648547851,37729,1081250.29%5648448051,85728,6291260.29%5648248152,33828,1471270.29%5648148352,82127,6651280.29%5648048453,30527,1811290.29%5647848553,79026,6951300.29%5647748754,27726,2091310.29%5647548854,76525,7211320.29%5647449055,25525,2311330.29%5647349155,74624,7401340.29%5647149256,23824,2481350.29%5647049456,73223,7541360.29%5646849557,22723,2591370.29%5646749757,72422,7621380.29%5646549858,22222,2641390.29%5646449958,72121,7641400.29%5646350159,22221,2641410.29%5646150259,72420,7611420.29%5646050460,22820,2571430.29%5645850560,73419,7521440.29%5645750761,24019,2451450.29%5645550861,74818,7371460.29%5645451062,25818,2281470.29%5645251162,76917,7161480.29%5645151363,28217,2041490.29%5644951463,79616,6901500.29%5644851664,31116,1741510.29%5644751764,82815,6571520.29%5644551865,34715,1391530.29%5644452065,86714,6191540.29%5644252166,38814,0971550.29%5644152366,91113,5741560.29%5643952467,43613,0501570.29%5643852667,96212,5241580.29%5643652768,48911,9961590.29%5643452969,01811,4671600.29%5643353169,54910,9371610.29%5643153270,08110,4051620.29%5643053470,6149,8711630.29%5642853571,1499,3361640.29%5642753771,6868,7991650.29%5642553872,2248,2611660.29%5642454072,7647,7221670.29%5642254173,3057,1801680.29%5642154373,8486,6371690.29%5641954474,3936,0931700.29%5641854674,9395,5471710.29%5641654875,4864,9991720.29%5641454976,0354,4501730.29%5641355176,5863,9001740.29%5641155277,1383,3471750.29%5641055477,6922,7931760.29%564855578,2482,2381770.29%564655778,8051,6811780.29%564555979,3631,1221790.29%564356079,9245621800.29%564256280,486(0)

ENUNCIADO LEASINGla empresa Azulejos S.A. quiere financiar la compra de camiones cuyo precio de adquisicin es de 4.800.000 .Una entidad financiera le ofrece una operacin de Leasing, de duracin 7 aos, a un tipo de inters nominal 6% con pago mensual de cuota de leasing.Comisin de apertura y estudio del 0,1%La empresa estudia la realizacin de esta operacin, suponiendo un valor residual de los vehculos de 800.000 .Calcular el cuadro del leasing.

leasingnominal=$4,800,000.00OPERACIN DE LEASINGduracin=84J(12)=6.00%comisin=0.10%4,800.00 Valor residual=800,000.00 Valor actual del valor residual1216295.70886566Nominal-c43583704.29113434cLIKL+IVANominal-c4-comis3,578,904.29 -3578904.29-3578904.290.3422652122052,09252092.283,531,61260427.04Sin IVA68.4530424355134,43452092.2817,6583,497,17860427.0468.7953076477234,60652092.2817,4863,462,57160427.04L=52,092.28 334,77952092.2817,3133,427,79260427.04434,95352092.2817,1393,392,83960427.04Coste0.491%6.051%535,12852092.2816,9643,357,71160427.04635,30452092.2816,7893,322,40760427.04735,48052092.2816,6123,286,92760427.04835,65852092.2816,4353,251,26960427.04935,83652092.2816,2563,215,43360427.041036,01552092.2816,0773,179,41860427.041136,19552092.2815,8973,143,22360427.041236,37652092.2815,7163,106,84760427.041336,55852092.2815,5343,070,28960427.041436,74152092.2815,3513,033,54860427.041536,92552092.2815,1682,996,62360427.041637,10952092.2814,9832,959,51460427.041737,29552092.2814,7982,922,21960427.041837,48152092.2814,6112,884,73860427.041937,66952092.2814,4242,847,07060427.042037,85752092.2814,2352,809,21360427.042138,04652092.2814,0462,771,16660427.042238,23652092.2813,8562,732,93060427.042338,42852092.2813,6652,694,50260427.042438,62052092.2813,4732,655,88360427.042538,81352092.2813,2792,617,07060427.042639,00752092.2813,0852,578,06360427.042739,20252092.2812,8902,538,86160427.042839,39852092.2812,6942,499,46360427.042939,59552092.2812,4972,459,86860427.043039,79352092.2812,2992,420,07560427.043139,99252092.2812,1002,380,08360427.043240,19252092.2811,9002,339,89160427.043340,39352092.2811,6992,299,49860427.043440,59552092.2811,4972,258,90460427.043540,79852092.2811,2952,218,10660427.043641,00252092.2811,0912,177,10460427.043741,20752092.2810,8862,135,89760427.043841,41352092.2810,6792,094,48460427.043941,62052092.2810,4722,052,86560427.044041,82852092.2810,2642,011,03760427.044142,03752092.2810,0551,969,00060427.044242,24752092.289,8451,926,75260427.044342,45952092.289,6341,884,29460427.044442,67152092.289,4211,841,62360427.044542,88452092.289,2081,798,73960427.044643,09952092.288,9941,755,64060427.044743,31452092.288,7781,712,32660427.044843,53152092.288,5621,668,79560427.044943,74852092.288,3441,625,04760427.045043,96752092.288,1251,581,08060427.045144,18752092.287,9051,536,89360427.045244,40852092.287,6841,492,48560427.045344,63052092.287,4621,447,85660427.045444,85352092.287,2391,403,00360427.045545,07752092.287,0151,357,92560427.045645,30352092.286,7901,312,62360427.045745,52952092.286,5631,267,09460427.045845,75752092.286,3351,221,33760427.045945,98652092.286,1071,175,35160427.046046,21652092.285,8771,129,13660427.046146,44752092.285,6461,082,68960427.046246,67952092.285,4131,036,01060427.046346,91252092.285,180989,09860427.046447,14752092.284,945941,95160427.046547,38352092.284,710894,56960427.046647,61952092.284,473846,94960427.046747,85852092.284,235799,09260427.046848,09752092.283,995750,99560427.046948,33752092.283,755702,65860427.047048,57952092.283,513654,07960427.047148,82252092.283,270605,25760427.047249,06652092.283,026556,19160427.047349,31152092.282,781506,87960427.047449,55852092.282,534457,32160427.047549,80652092.282,287407,51660427.047650,05552092.282,038357,46160427.047750,30552092.281,787307,15660427.047850,55652092.281,536256,60060427.047950,80952092.281,283205,79060427.048051,06352092.281,029154,72760427.048151,31952092.28774103,40860427.048251,57552092.2851751,83360427.048351,83352092.28259-060427.04

ENUNCIADO RENTINGAmueble su oficina por Renting24 meses de alquileren operaciones a partir de 1500 + IVA hasta 6000 + IVA36 meses de alquileren operaciones a partir de 6000 + IVAQuiero comprar muebles por valor de 5000 y por valor de 6500 .Cual es el coste efectivo de esta opccin de adquisicin de mobiliario?

RENTINGTIPO ATIPO Bcompra por valor de=$5,0006,500.00 n=240.045841$229.21n=360.031606205.44 Cuota mensualCuota mensualn=24360($4,771)($6,294.56)1$229205.44 2$229205.44 3$229205.44 TIR n=241.17%15.01%4$229205.44 TIR n=360.90%11.34%5$229205.44 6$229205.44 7$229205.44 8$229205.44 9$229205.44 10$229205.44 11$229205.44 12$229205.44 13$229205.44 14$229205.44 15$229205.44 16$229205.44 17$229205.44 18$229205.44 19$229205.44 20$229205.44 21$229205.44 22$229205.44 23$229205.44 24$229205.44 25205.44 26205.44 27205.44 28205.44 29205.44 30205.44 31205.44 32205.44 33205.44 34205.44 35205.44 36205.44

MBD0009D9F9.unknown

MBD000D49E8.unknown