Time Value of Money in Excel - workshop 1

Name: Linda Tapia Zambrano

Name: Luis Agudelo
Name: Franco guaragna
Name:

1 What is the future value of 20 million pesos invested at a rate of 0,5% of monthly interest monthly
during 5 years.

Rate, TASA 0.5% monthly

Peri, NPER 60 months
Present Value, VA, PV (20,000,000)
Future Value, VF, FV $ 26,977,003.05

2 What is the present value of a financial instrument that will pay 10 million pesos every end-year
during 10 years and a final pay of 100 million pesos, if the requiered rate of returne is 12% annual.

Rate, TASA 12% annually

Peri, NPER 10 years
Payments, PAGO, PMT 10,000,000
Future Value, VF, FV 100,000,000
Present Value, VA, PV ($ 88,699,553.94)

3 What is the monthly payment for a loan of 50 million pesos, at a annual rate of 15% for 5 year?

Rate, TASA 1.17% Montly

Peri, NPER 60 months
Present Value, VA, PV 50,000,000
Future Value, VF, FV 0
Payments, PAGO, PMT ($ 1,164,913.97)

4 using the previuos problem values, how long would you paid the loan back if your monthly
payments to the banks are 2 million pesos monthly?

Rate, TASA 1.17% Montly

Present Value, VA, PV 50,000,000
Future Value, VF, FV 0
Payments, PAGO, PMT 2,000,000
Peri, NPER (22.05) moths

5 what is the annual rate of return of an investment that pays 10% semiannual nominal cupon rate
with a face value of 100, the maturity is 10 years and the current market price is -98,55?

Peri, NPER 20 semesters

Present Value, VA, PV -98.55
Future Value, VF, FV 100.00
 Payments, PAGO, PMT 5.00 Semmianual
Rate, TASA 10.497% Annual

You would like to purchase a house, it is valued at 400 million pesos, and the bank says the finance
6 is for 70% of the total value, the interest rate is 11% annually for 15 years, and the payments are
monthly, a) what is the monthly payment, b) How much interest and capital do you pay in the 84
payment? c) How much interest and capital do you pay during the total period financed?

Rate, TASA 0.87% 0.0087345938

Peri, NPER 180 MONTHS
Present Value, VA, PV 280,000,000 $ 280,000,000
Future Value, VF, FV 0
Payments, PAGO, PMT ($ 3,091,908.61)
Specific Period 84 MONTHS
Interest paid, IPMT, PAGOINT ($ 1,761,864.93)
Capital Paid,PPMT, PAGOPRIN ($ 1,330,043.68)
Initial Specific Period 1
Final Specific Period 180
Interest paid, CUMIPMT, PAGO.INT.ENTRE ($ 276,543,549.70)
Capital Paid, CUMPRINC, PAGO.PRINC.ENTRE ($ 280,000,000.00)

7 You find a net free cash flow of and investment, what is the net present value of the FCF if the
requiere return is 20% annually, and What is the internal rate of return?
Net Present Value, NPV-VNA $ 36.36
Internal Rate of Returns, IRR-TIR 31.84%
Discount Rate 20% VNA
Initial Investment -100 TIR
Cash Flow 1 20
Cash Flow 2 30
Cash Flow 3 50
Cash Flow 4 70
Cash Flow 5 90

You would like to purchase a house, it is valued at 400 million pesos, and the bank says the finance is for 70% of the
8 total value, the interest rate is 11% annually for 15 years, and the payments are monthly, complete the amortization
table.

Rate, TASA 0.87%

Peri, NPER 15
Present Value, VA, PV 280000000
Future Value, VF, FV 0
Payments, PAGO, PMT

Periods Payments Interest

0 0 0
 1 3,182,471.42 $2,566,666.67
2 3,182,471.42 $2,561,021.79
3 3,182,471.42 $2,555,325.17
4 3,182,471.42 $2,549,576.33
5 3,182,471.42 $2,543,774.79
6 3,182,471.42 $2,537,920.07
7 3,182,471.42 $2,532,011.68
8 3,182,471.42 $2,526,049.14
9 3,182,471.42 $2,520,031.93
10 3,182,471.42 $2,513,959.57
11 3,182,471.42 $2,507,831.54
12 3,182,471.42 $2,501,647.34
13 3,182,471.42 $2,495,406.46
14 3,182,471.42 $2,489,108.36
15 3,182,471.42 $2,482,752.53
16 3,182,471.42 $2,476,338.44
17 3,182,471.42 $2,469,865.56
18 3,182,471.42 $2,463,333.34
19 3,182,471.42 $2,456,741.24
20 3,182,471.42 $2,450,088.71
21 3,182,471.42 $2,443,375.20
22 3,182,471.42 $2,436,600.16
23 3,182,471.42 $2,429,763.00
24 3,182,471.42 $2,422,863.18
25 3,182,471.42 $2,415,900.10
26 3,182,471.42 $2,408,873.20
27 3,182,471.42 $2,401,781.88
28 3,182,471.42 $2,394,625.56
29 3,182,471.42 $2,387,403.64
30 3,182,471.42 $2,380,115.52
31 3,182,471.42 $2,372,760.59
32 3,182,471.42 $2,365,338.24
33 3,182,471.42 $2,357,847.85
34 3,182,471.42 $2,350,288.80
35 3,182,471.42 $2,342,660.46
36 3,182,471.42 $2,334,962.19
37 3,182,471.42 $2,327,193.36
38 3,182,471.42 $2,319,353.31
39 3,182,471.42 $2,311,441.39
40 3,182,471.42 $2,303,456.95
41 3,182,471.42 $2,295,399.32
42 3,182,471.42 $2,287,267.83
43 3,182,471.42 $2,279,061.79
44 3,182,471.42 $2,270,780.54
45 3,182,471.42 $2,262,423.37
46 3,182,471.42 $2,253,989.60
47 3,182,471.42 $2,245,478.51
48 3,182,471.42 $2,236,889.41
49 3,182,471.42 $2,228,221.58
50 3,182,471.42 $2,219,474.29
51 3,182,471.42 $2,210,646.81
52 3,182,471.42 $2,201,738.42
53 3,182,471.42 $2,192,748.37
54 3,182,471.42 $2,183,675.91
55 3,182,471.42 $2,174,520.28
56 3,182,471.42 $2,165,280.73
57 3,182,471.42 $2,155,956.48
58 3,182,471.42 $2,146,546.76
59 3,182,471.42 $2,137,050.79
60 3,182,471.42 $2,127,467.76
61 3,182,471.42 $2,117,796.90
62 3,182,471.42 $2,108,037.38
63 3,182,471.42 $2,098,188.40
64 3,182,471.42 $2,088,249.14
65 3,182,471.42 $2,078,218.77
66 3,182,471.42 $2,068,096.45
67 3,182,471.42 $2,057,881.35
68 3,182,471.42 $2,047,572.61
69 3,182,471.42 $2,037,169.37
70 3,182,471.42 $2,026,670.77
71 3,182,471.42 $2,016,075.93
72 3,182,471.42 $2,005,383.97
73 3,182,471.42 $1,994,594.00
74 3,182,471.42 $1,983,705.12
75 3,182,471.42 $1,972,716.43
76 3,182,471.42 $1,961,627.01
77 3,182,471.42 $1,950,435.94
78 3,182,471.42 $1,939,142.28
79 3,182,471.42 $1,927,745.10
80 3,182,471.42 $1,916,243.44
81 3,182,471.42 $1,904,636.35
82 3,182,471.42 $1,892,922.86
83 3,182,471.42 $1,881,102.00
84 3,182,471.42 $1,869,172.78
85 3,182,471.42 $1,857,134.21
86 3,182,471.42 $1,844,985.28
 87 3,182,471.42 $1,832,725.00
88 3,182,471.42 $1,820,352.32
89 3,182,471.42 $1,807,866.23
90 3,182,471.42 $1,795,265.68
91 3,182,471.42 $1,782,549.63
92 3,182,471.42 $1,769,717.01
93 3,182,471.42 $1,756,766.76
94 3,182,471.42 $1,743,697.80
95 3,182,471.42 $1,730,509.05
96 3,182,471.42 $1,717,199.39
97 3,182,471.42 $1,703,767.73
98 3,182,471.42 $1,690,212.95
99 3,182,471.42 $1,676,533.91
100 3,182,471.42 $1,662,729.48
101 3,182,471.42 $1,648,798.52
102 3,182,471.42 $1,634,739.85
103 3,182,471.42 $1,620,552.31
104 3,182,471.42 $1,606,234.72
105 3,182,471.42 $1,591,785.88
106 3,182,471.42 $1,577,204.60
107 3,182,471.42 $1,562,489.65
108 3,182,471.42 $1,547,639.82
109 3,182,471.42 $1,532,653.86
110 3,182,471.42 $1,517,530.53
111 3,182,471.42 $1,502,268.57
112 3,182,471.42 $1,486,866.71
113 3,182,471.42 $1,471,323.67
114 3,182,471.42 $1,455,638.15
115 3,182,471.42 $1,439,808.85
116 3,182,471.42 $1,423,834.44
117 3,182,471.42 $1,407,713.60
118 3,182,471.42 $1,391,444.99
119 3,182,471.42 $1,375,027.24
120 3,182,471.42 $1,358,459.01
121 3,182,471.42 $1,341,738.89
122 3,182,471.42 $1,324,865.51
123 3,182,471.42 $1,307,837.46
124 3,182,471.42 $1,290,653.31
125 3,182,471.42 $1,273,311.65
126 3,182,471.42 $1,255,811.02
127 3,182,471.42 $1,238,149.96
128 3,182,471.42 $1,220,327.01
129 3,182,471.42 $1,202,340.69
130 3,182,471.42 $1,184,189.49
131 3,182,471.42 $1,165,871.91
132 3,182,471.42 $1,147,386.41
133 3,182,471.42 $1,128,731.47
134 3,182,471.42 $1,109,905.52
135 3,182,471.42 $1,090,907.00
136 3,182,471.42 $1,071,734.32
137 3,182,471.42 $1,052,385.90
138 3,182,471.42 $1,032,860.12
139 3,182,471.42 $1,013,155.35
140 3,182,471.42 $993,269.95
141 3,182,471.42 $973,202.27
142 3,182,471.42 $952,950.63
143 3,182,471.42 $932,513.36
144 3,182,471.42 $911,888.74
145 3,182,471.42 $891,075.07
146 3,182,471.42 $870,070.60
147 3,182,471.42 $848,873.60
148 3,182,471.42 $827,482.28
149 3,182,471.42 $805,894.88
150 3,182,471.42 $784,109.60
151 3,182,471.42 $762,124.61
152 3,182,471.42 $739,938.10
153 3,182,471.42 $717,548.21
154 3,182,471.42 $694,953.08
155 3,182,471.42 $672,150.83
156 3,182,471.42 $649,139.56
157 3,182,471.42 $625,917.35
158 3,182,471.42 $602,482.27
159 3,182,471.42 $578,832.37
160 3,182,471.42 $554,965.68
161 3,182,471.42 $530,880.21
162 3,182,471.42 $506,573.96
163 3,182,471.42 $482,044.90
164 3,182,471.42 $457,290.99
165 3,182,471.42 $432,310.17
166 3,182,471.42 $407,100.36
167 3,182,471.42 $381,659.46
168 3,182,471.42 $355,985.35
169 3,182,471.42 $330,075.89
170 3,182,471.42 $303,928.93
171 3,182,471.42 $277,542.29
172 3,182,471.42 $250,913.78
173 3,182,471.42 $224,041.16
174 3,182,471.42 $196,922.22
175 3,182,471.42 $169,554.69
176 3,182,471.42 $141,936.28
177 3,182,471.42 $114,064.71
178 3,182,471.42 $85,937.65
179 3,182,471.42 $57,552.76
180 3,182,471.42 $28,907.67
Write your names here
 A) Loan 280,000,000.00
$3,182,471.42 sobre 180 meses Interest 11%
Finance 70%
B) Interest Capital Time 180 months
$1,869,172.78 $1,313,298.64

C)
At the end the total amount is 572,844,855
280,000,000 in capital
292,844,855 in interest

he finance is for 70% of the

, complete the amortization

Capital Balance
0 0
$615,804.75 $279,384,195.25
$621,449.63 $278,762,745.62
$627,146.25 $278,135,599.37
$632,895.09 $277,502,704.29
$638,696.63 $276,864,007.66
$644,551.35 $276,219,456.31
$650,459.73 $275,568,996.58
$656,422.28 $274,912,574.30
$662,439.49 $274,250,134.81
$668,511.85 $273,581,622.96
$674,639.87 $272,906,983.09
$680,824.07 $272,226,159.02
$687,064.96 $271,539,094.06
$693,363.05 $270,845,731.00
$699,718.88 $270,146,012.12
$706,132.97 $269,439,879.15
$712,605.86 $268,727,273.29
$719,138.08 $268,008,135.21
$725,730.18 $267,282,405.04
$732,382.70 $266,550,022.33
$739,096.21 $265,810,926.12
$745,871.26 $265,065,054.86
$752,708.41 $264,312,346.45
$759,608.24 $263,552,738.20
$766,571.32 $262,786,166.89
$773,598.22 $262,012,568.67
$780,689.54 $261,231,879.13
$787,845.86 $260,444,033.27
$795,067.78 $259,648,965.49
$802,355.90 $258,846,609.59
$809,710.83 $258,036,898.77
$817,133.18 $257,219,765.59
$824,623.57 $256,395,142.02
$832,182.61 $255,562,959.41
$839,810.96 $254,723,148.45
$847,509.22 $253,875,639.23
$855,278.06 $253,020,361.17
$863,118.11 $252,157,243.07
$871,030.02 $251,286,213.04
$879,014.46 $250,407,198.58
$887,072.10 $249,520,126.48
$895,203.59 $248,624,922.89
$903,409.62 $247,721,513.27
$911,690.88 $246,809,822.39
$920,048.04 $245,889,774.35
$928,481.82 $244,961,292.53
$936,992.90 $244,024,299.62
$945,582.00 $243,078,717.62
$954,249.84 $242,124,467.78
$962,997.13 $241,161,470.65
$971,824.60 $240,189,646.05
$980,732.99 $239,208,913.06
$989,723.05 $238,219,190.01
$998,795.51 $237,220,394.50
$1,007,951.13 $236,212,443.37
$1,017,190.69 $235,195,252.68
$1,026,514.93 $234,168,737.75
$1,035,924.65 $233,132,813.09
$1,045,420.63 $232,087,392.46
$1,055,003.65 $231,032,388.81
$1,064,674.52 $229,967,714.29
$1,074,434.04 $228,893,280.26
$1,084,283.01 $227,808,997.24
$1,094,222.28 $226,714,774.97
$1,104,252.65 $225,610,522.32
$1,114,374.96 $224,496,147.36
$1,124,590.07 $223,371,557.29
$1,134,898.81 $222,236,658.48
$1,145,302.05 $221,091,356.44
$1,155,800.65 $219,935,555.79
$1,166,395.49 $218,769,160.30
$1,177,087.45 $217,592,072.85
$1,187,877.42 $216,404,195.44
$1,198,766.29 $215,205,429.14
$1,209,754.98 $213,995,674.16
$1,220,844.40 $212,774,829.76
$1,232,035.48 $211,542,794.28
$1,243,329.14 $210,299,465.14
$1,254,726.32 $209,044,738.82
$1,266,227.98 $207,778,510.85
$1,277,835.07 $206,500,675.78
$1,289,548.56 $205,211,127.22
$1,301,369.42 $203,909,757.81
$1,313,298.64 $202,596,459.17
$1,325,337.21 $201,271,121.96
$1,337,486.13 $199,933,635.83
$1,349,746.42 $198,583,889.41
$1,362,119.10 $197,221,770.31
$1,374,605.19 $195,847,165.12
$1,387,205.74 $194,459,959.39
$1,399,921.79 $193,060,037.60
$1,412,754.41 $191,647,283.19
$1,425,704.65 $190,221,578.54
$1,438,773.61 $188,782,804.92
$1,451,962.37 $187,330,842.55
$1,465,272.03 $185,865,570.53
$1,478,703.69 $184,386,866.84
$1,492,258.47 $182,894,608.37
$1,505,937.51 $181,388,670.86
$1,519,741.93 $179,868,928.93
$1,533,672.90 $178,335,256.03
$1,547,731.57 $176,787,524.46
$1,561,919.11 $175,225,605.35
$1,576,236.70 $173,649,368.65
$1,590,685.54 $172,058,683.11
$1,605,266.82 $170,453,416.29
$1,619,981.77 $168,833,434.52
$1,634,831.60 $167,198,602.92
$1,649,817.56 $165,548,785.36
$1,664,940.88 $163,883,844.48
$1,680,202.84 $162,203,641.64
$1,695,604.70 $160,508,036.93
$1,711,147.74 $158,796,889.19
$1,726,833.27 $157,070,055.92
$1,742,662.57 $155,327,393.35
$1,758,636.98 $153,568,756.37
$1,774,757.82 $151,793,998.56
$1,791,026.43 $150,002,972.13
$1,807,444.17 $148,195,527.96
$1,824,012.41 $146,371,515.54
$1,840,732.52 $144,530,783.02
$1,857,605.91 $142,673,177.11
$1,874,633.96 $140,798,543.15
$1,891,818.10 $138,906,725.05
$1,909,159.77 $136,997,565.28
$1,926,660.40 $135,070,904.88
$1,944,321.46 $133,126,583.42
$1,962,144.40 $131,164,439.02
$1,980,130.73 $129,184,308.30
$1,998,281.92 $127,186,026.37
$2,016,599.51 $125,169,426.86
$2,035,085.00 $123,134,341.86
$2,053,739.95 $121,080,601.91
$2,072,565.90 $119,008,036.01
$2,091,564.42 $116,916,471.59
$2,110,737.09 $114,805,734.50
$2,130,085.52 $112,675,648.98
$2,149,611.30 $110,526,037.68
$2,169,316.07 $108,356,721.61
$2,189,201.47 $106,167,520.14
$2,209,269.15 $103,958,250.99
$2,229,520.78 $101,728,730.21
$2,249,958.06 $99,478,772.15
$2,270,582.67 $97,208,189.48
$2,291,396.35 $94,916,793.13
$2,312,400.81 $92,604,392.32
$2,333,597.82 $90,270,794.50
$2,354,989.13 $87,915,805.36
$2,376,576.53 $85,539,228.83
$2,398,361.82 $83,140,867.01
$2,420,346.80 $80,720,520.21
$2,442,533.31 $78,277,986.89
$2,464,923.20 $75,813,063.69
$2,487,518.33 $73,325,545.36
$2,510,320.58 $70,815,224.77
$2,533,331.86 $68,281,892.92
$2,556,554.07 $65,725,338.85
$2,579,989.14 $63,145,349.71
$2,603,639.04 $60,541,710.66
$2,627,505.74 $57,914,204.93
$2,651,591.20 $55,262,613.72
$2,675,897.46 $52,586,716.26
$2,700,426.52 $49,886,289.75
$2,725,180.43 $47,161,109.32
$2,750,161.25 $44,410,948.07
$2,775,371.06 $41,635,577.01
$2,800,811.96 $38,834,765.05
$2,826,486.07 $36,008,278.98
$2,852,395.53 $33,155,883.45
$2,878,542.49 $30,277,340.97
$2,904,929.12 $27,372,411.84
$2,931,557.64 $24,440,854.20
$2,958,430.25 $21,482,423.95
$2,985,549.20 $18,496,874.75
$3,012,916.73 $15,483,958.02
$3,040,535.13 $12,443,422.89
$3,068,406.71 $9,375,016.18
$3,096,533.77 $6,278,482.41
$3,124,918.66 $3,153,563.75
$3,153,563.75 $0.00