EJERCICIO A

DATOS
precio =
S/. 2,599.00
meses =
36
cuotas vencidas
estimar las cuotas
comprobacin
estimacin

i anual
17.50%
17.60%
17.70%
17.80%
17.90%
18.00%
18.10%
18.20%
18.30%
18.40%

i mensual
1.35%
1.36%
1.37%
1.37%
1.38%
1.39%
1.40%
1.40%
1.41%
1.42%

cuota
S/. 91.68
S/. 91.79
S/. 91.90
S/. 92.01
S/. 92.12
S/. 92.23
S/. 92.34
S/. 92.45
S/. 92.56
S/. 92.67

renta =
t.inters =
v.presente =
periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

S/. 92.67
1.42%
2,599.00
renta

v.presente

S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67
S/. 92.67

S/. 91.378
S/. 90.101
S/. 88.842
S/. 87.600
S/. 86.376
S/. 85.169
S/. 83.978
S/. 82.805
S/. 81.647
S/. 80.506
S/. 79.381
S/. 78.271
S/. 77.178
S/. 76.099
S/. 75.035
S/. 73.987
S/. 72.953
S/. 71.933
S/. 70.928
S/. 69.936
S/. 68.959
S/. 67.995
S/. 67.045
S/. 66.108
S/. 65.184
S/. 64.273
S/. 63.374
S/. 62.489
S/. 61.615
S/. 60.754
S/. 59.905
S/. 59.068
S/. 58.242
S/. 57.428
S/. 56.626

36

S/. 92.67

S/. 55.834

EJERCICIO B
DATOS
precio =
S/. 2,599.00 t.inters =
meses =
37
cuotas vencidas
estimar las cuotas

17.50%

comprobacin
estimacin

i anual
17.50%
17.60%
17.70%
17.80%
17.90%
18.00%
18.10%
18.20%
18.30%
18.40%

i mensual
1.35%
1.36%
1.37%
1.37%
1.38%
1.39%
1.40%
1.40%
1.41%
1.42%

cuota
S/. 88.55
S/. 88.66
S/. 88.76
S/. 88.86
S/. 88.97
S/. 89.07
S/. 89.17
S/. 89.28
S/. 89.38
S/. 89.48

renta =
i anual
i mensual
cuota
periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

S/. 88.55
17.50%
1.35%
2,599.00
renta
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55
S/. 88.55

v.presente
S/. 88.552
S/. 87.370
S/. 86.204
S/. 85.053
S/. 83.918
S/. 82.797
S/. 81.692
S/. 80.602
S/. 79.526
S/. 78.464
S/. 77.417
S/. 76.383
S/. 75.364
S/. 74.358
S/. 73.365
S/. 72.386
S/. 71.419
S/. 70.466
S/. 69.525
S/. 68.597
S/. 67.681
S/. 66.778
S/. 65.887
S/. 65.007
S/. 64.139
S/. 63.283
S/. 62.438
S/. 61.605
S/. 60.782
S/. 59.971
S/. 59.170
S/. 58.381
S/. 57.601
S/. 56.832
S/. 56.074

35
36

S/. 88.55
S/. 88.55

S/. 55.325
S/. 54.587

comprobacin
cuota=

renta unitaria
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1

88.55

1
1

EJERCICIO C
DATOS
meses = 36
cuotas = 120
TEA =
52.00%
TEM =
3.55%
estimar el precio

periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

estimacin
precio = 2417.161
comprobacin
precio= S/. 2,417.16

cuota

v.presente

120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120

115.885
111.911
108.074
104.368
100.789
97.333
93.995
90.772
87.659
84.654
81.751
78.947
76.240
73.626
71.101
68.663
66.309
64.035
61.839
59.718
57.671
55.693
53.783
51.939
50.158
48.438
46.777
45.173
43.624
42.128
40.684
39.288
37.941
36.640
35.384
34.170

TEA
50%
51%
52%
53%
54%
55%
56%
57%
58%
59%

TEM
3.44%
3.49%
3.55%
3.61%
3.66%
3.72%
3.78%
3.83%
3.89%
3.94%

precio
S/. 2,457.20
S/. 2,437.00
S/. 2,417.16
S/. 2,397.69
S/. 2,378.57
S/. 2,359.79
S/. 2,341.35
S/. 2,323.23
S/. 2,305.43
S/. 2,287.94

EJERCICIO D
DATOS
meses = 37
cuotas = 120
TEA =
50.00%
TEM =
3.44%
estimar el precio

periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

cuota
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120
120

estimacin
precio = 2577.20

v.presente
120.000
116.013
112.159
108.432
104.830
101.347
97.980
94.724
91.577
88.535
85.593
82.749
80.000
77.342
74.772
72.288
69.886
67.565
65.320
63.150
61.051
59.023
57.062
55.166
53.333
51.561
49.848
48.192
46.591
45.043
43.546
42.100
40.701
39.349
38.041
36.777
35.556

TEA
50%
51%
52%
53%
54%
55%
56%
57%
58%
59%

TEM
3.44%
3.49%
3.55%
3.61%
3.66%
3.72%
3.78%
3.83%
3.89%
3.94%

precio
S/. 2,577.20
S/. 2,557.00
S/. 2,537.16
S/. 2,517.69
S/. 2,498.57
S/. 2,479.79
S/. 2,461.35
S/. 2,443.23
S/. 2,425.43
S/. 2,407.94

EJERCICIO E
DATOS
meses =
36
cuotas =
120
TEA =
50.00%
TEM =
3.44%
t.crec.cuota=
1.00%
estimar el precio

periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

estimacin
precio = 2837.07

cuota

v.presente

120
121.2
122.41
123.64
124.87
126.12
127.38
128.66
129.94
131.24
132.55
133.88
135.22
136.57
137.94
139.32
140.71
142.12
143.54
144.97
146.42
147.89
149.37
150.86
152.37
153.89
155.43
156.99
158.55
160.14
161.74
163.36
164.99
166.64
168.31
169.99

116.013
113.280
110.612
108.006
105.462
102.978
100.552
98.183
95.870
93.612
91.407
89.253
87.151
85.098
83.093
81.136
79.225
77.358
75.536
73.757
72.019
70.323
68.666
67.049
65.469
63.927
62.421
60.951
59.515
58.113
56.744
55.407
54.102
52.828
51.583
50.368

TEA
50%
51%
52%
53%
54%
55%
56%
57%
58%
59%

TEM
3.44%
3.49%
3.55%
3.61%
3.66%
3.72%
3.78%
3.83%
3.89%
3.94%

precio
S/. 2,837.07
S/. 2,812.15
S/. 2,787.71
S/. 2,763.72
S/. 2,740.18
S/. 2,717.06
S/. 2,694.37
S/. 2,672.10
S/. 2,650.22
S/. 2,628.73

EJERCICIO G
DATOS
inv. Inicial=
ingresos =
t.crec.ing.=
costos =
t.crec.costo=
vida til =
v.venta =
t.oport.anual=
t.oprt.mensual=

periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29

180000
40000
1%
22000
0.50%
60
28000
21.00%
1.60%

inversin
-180000

t.o.anual

t-o.men.

21%
1.60%
22%
1.67%
23%
1.74%
24%
1.81%
25%
1.88%
26%
1.94%
27%
2.01%
28%
2.08%
29%
2.14%
30%
2.21%
comprobacin
vpn =
865,199.20

ingreso

costo

40000.00
40400.00
40804.00
41212.04
41624.16
42040.402
42460.806
42885.414
43314.268
43747.411
44184.885
44626.734
45073.001
45523.731
45978.969
46438.758
46903.146
47372.177
47845.899
48324.358
48807.602
49295.678
49788.634
50286.521
50789.386
51297.28
51810.253
52328.355
52851.639

-22000
-22110
-22220.6
-22331.7
-22443.3
-22555.5
-22668.3
-22781.6
-22895.6
-23010
-23125.1
-23240.7
-23356.9
-23473.7
-23591.1
-23709
-23827.6
-23946.7
-24066.4
-24186.8
-24307.7
-24429.2
-24551.4
-24674.1
-24797.5
-24921.5
-25046.1
-25171.3
-25297.2

v.venta

vpn
865,199.20
843,708.82
822,972.12
802,954.94
783,624.94
764,951.55
746,905.82
729,460.33
712,589.13
696,267.58

f.econ.
-180000
18000
18290
18583.45
18880.38725
19180.84939
19484.87444
19792.50082
20103.76735
20418.71326
20737.37817
21059.80211
21386.02555
21716.08934
22050.0348
22387.90363
22729.73799
23075.58047
23425.4741
23779.46236
24137.58916
24499.8989
24866.4364
25237.24697
25612.37638
25991.87086
26375.77715
26764.14243
27157.01441
27554.44126

v.pres
-180000.00
17716.33
17718.06
17718.62
17718.04
17716.34
17713.52
17709.62
17704.64
17698.62
17691.56
17683.48
17674.40
17664.34
17653.32
17641.35
17628.44
17614.62
17599.91
17584.30
17567.84
17550.52
17532.36
17513.38
17493.60
17473.02
17451.67
17429.55
17406.69
17383.09

30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

53380.155
53913.957
54453.096
54997.627
55547.603
56103.079
56664.11
57230.751
57803.059
58381.089
58964.9
59554.549
60150.095
60751.596
61359.112
61972.703
62592.43
63218.354
63850.538
64489.043
65133.934
65785.273
66443.126
67107.557
67778.632
68456.419
69140.983
69832.393
70530.717
71236.024
71948.384

-25423.7
-25550.8
-25678.6
-25806.9
-25936
-26065.7
-26196
-26327
-26458.6
-26590.9
-26723.9
-26857.5
-26991.8
-27126.7
-27262.4
-27398.7
-27535.7
-27673.3
-27811.7
-27950.8
-28090.5
-28231
-28372.1
-28514
-28656.6
-28799.8
-28943.8
-29088.6
-29234
-29380.2
-29527.1

28000

27956.47166
28363.15479
28774.54035
29190.67853
29611.62006
30037.41617
30468.11865
30903.7798
31344.45245
31790.19001
32241.04641
32697.07614
33158.33427
33624.87641
34096.75877
34574.03813
35056.77183
35545.01784
36038.8347
36538.28156
37043.41819
37554.30495
38071.00283
38593.57348
39122.07913
39656.58269
40197.14769
40743.83835
41296.7195
41855.85668
70421.31609

17358.77
17333.74
17308.02
17281.62
17254.55
17226.82
17198.46
17169.46
17139.85
17109.63
17078.82
17047.43
17015.47
16982.95
16949.88
16916.28
16882.16
16847.52
16812.38
16776.75
16740.64
16704.05
16667.01
16629.52
16591.58
16553.21
16514.43
16475.23
16435.63
16395.63
27150.47

EJERCICIO F
DATOS
inv. Inicial=
ingresos =
t.crec.ing.=
costos =
t.crec.costo=
vida til =
v.venta =
t.oport.anual=
t.oprt.mensual=

180000
40000

t.o.anual
20%
21%
22%
23%
24%
25%
26%
27%
28%
29%

22000
60
28000
20.00%
1.53%

t-o.men.
1.53%
1.60%
1.67%
1.74%
1.81%
1.88%
1.94%
2.01%
2.08%
2.14%

vpn
534,490.72
521,546.66
509,038.41
496,946.59
485,252.83
473,939.76
462,990.92
452,390.73
442,124.40
432,177.92

comprobacin
vpn =
534,490.72

periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29

inversin
-180000

ingreso

costo

40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000

-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000

v.venta

f.econ.
-180000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000

v.pres
-180000.00
17728.58
17461.26
17197.97
16938.65
16683.24
16431.68
16183.91
15939.88
15699.53
15462.80
15229.64
15000.00
14773.82
14551.05
14331.64
14115.54
13902.70
13693.06
13486.59
13283.23
13082.94
12885.67
12691.37
12500.00
12311.52
12125.88
11943.03
11762.95
11585.58

30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000
40000

-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000
-22000

28000

18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
18000
46000

11410.89
11238.83
11069.36
10902.45
10738.06
10576.14
10416.67
10259.60
10104.90
9952.53
9802.46
9654.65
9509.07
9365.69
9224.47
9085.37
8948.38
8813.45
8680.56
8549.66
8420.75
8293.77
8168.72
8045.54
7924.23
7804.74
7687.06
7571.15
7456.98
7344.54
18486.37