mercado de capitales problemas

Tema 8 ESTRATEGIAS GENRICAS COMPETITIVAS

PROBLEMA 1Lnea de crdito:S/. 100,000.00Capital:S/. 48,500.00Tiempo:15 de AbrilTEA:55% = 1.84% TEQCosto de mantenimientoS/. 49.00Liquidacin:30 de Abril

* CapitalS/. 48,500.00

* I. compensatorioS/. 893.78

* Costo manten.S/. 49.00

S/. 49,442.78

* ITF 0.005%S/. 2.47

* LiquidacinS/. 49,445.25Rpta.

TCEA = 58.79%

TCEQ = 1.945%

PROBLEMA 2Lnea de crdito:S/. 200,000.00

Tiempo:22 de Junio

TEA:55% = 0.009787

Exceso de lneaS/. 25,000.00

Monto utilizadoS/. 225,000.00

Tasa por exceso de lnea85% = 0.013765

Costo de mantenimientoS/. 49.00

a) LIQUIDACION A FIN DE MES

* CapitalS/. 200,000.00

* I. compensatorioS/. 1,957.32

* ExcesoS/. 25,000.00

* I. exceso de lneaS/. 344.12


S/. 227,350.43

* ITF 0.005%S/. 11.37


b) LIQUIDACION AL 10 DE JULIO

Capital:S/. 200,000.0055% = 0.022155Exceso:S/. 25,000.0085% = 0.031237Das:18

Mora:15.25% = 0.0040

Das de mora:10

* CapitalS/. 200,000.00


* ExcesoS/. 25,000.00

* I. exceso de lneaS/. 780.93

* I. moratorioS/. 898.12


S/. 231,158.97

* ITF 0.005%S/. 11.56


TCEA = 71.62%

PROBLEMA 3

Capital de trabajo:S/. 150,000.00Pagar a:150 dasTEA:26.60% = 0.09229Comisin por gastos adm.0.75% = 1125PortesS/. 10.00MinMax50175

LIQUIDACION AL VENCIMIENTO DE LA OPERACIN:

* CapitalS/. 150,000.00


* PortesS/. 10.00

* Gastos administrativosS/. 175.00

S/. 164,028.50

* ITF 0.005%S/. 8.20


PROBLEMA 4

Capital:S/. 530,000.00Pagar a:180 das (20 de Marzo)TEA:25% = 0.1180Comisin por gastos adm.0.75% = 3975PortesS/. 10.00MinMax50175

MONTO A CANCELAR AL VENCIMIENTO DE LA OBLIGACION

* CapitalS/. 530,000.00


* PortesS/. 30.00

* Gastos administrativosS/. 175.00

S/. 592,763.01

* ITF 0.005%S/. 29.64


PROBLEMA 5

Monto S/. 3,500.00Nde periodos cuotas18Tasa peridica23.64% = 1.78%Valor cuotaS/. 228.97

VALOR DE LA CUOTA:

Cuota = 0.0178 x 3500 = 228.97 (1 + 0.0178)-18

2) CRONOGRAMA DE PAGOS:N cuotaValor cuotaIntersAmortizacinSaldo0

000S/. 3,500.001S/. 228.97S/. 62.30S/. 166.67S/. 3,333.332S/. 228.97S/. 59.33S/. 169.63S/. 3,163.703S/. 228.97S/. 56.31S/. 172.65S/. 2,991.054S/. 228.97S/. 53.24S/. 175.73S/. 2,815.325S/. 228.97S/. 50.11S/. 178.85S/. 2,636.476S/. 228.97S/. 46.93S/. 182.04S/. 2,454.437S/. 228.97S/. 43.69S/. 185.28S/. 2,269.168S/. 228.97S/. 40.39S/. 188.57S/. 2,080.589S/. 228.97S/. 37.03S/. 191.93S/. 1,888.6510S/. 228.97S/. 33.62S/. 195.35S/. 1,693.3011S/. 228.97S/. 30.14S/. 198.83S/. 1,494.4812S/. 228.97S/. 26.60S/. 202.36S/. 1,292.1113S/. 228.97S/. 23.00S/. 205.97S/. 1,086.1514S/. 228.97S/. 19.33S/. 209.63S/. 876.5115S/. 228.97S/. 15.60S/. 213.36S/. 663.1516S/. 228.97S/. 11.80S/. 217.16S/. 445.9917S/. 228.97S/. 7.94S/. 221.03S/. 224.9618S/. 228.97S/. 4.00S/. 224.96S/. 0.00

S/. 621.39

PROBLEMA 6Monto prstamoS/. 3,500.00Tasa peridica das1.007%valor 1 cuotaS/. 213.57n de periodos 18Monto restante3323Tasa peridica1.784%nde periodos restantes17Valor cuotaS/. 228.33

VALOR DE LA CUOTA:

Se cancela los 30 de cada mesDesembolso: 13 de Junio ( 17 das para fin de mes)TEA 23.64% en das = 0.01007

1 cuota = 0.01007 x 3500 = 213.57 1 (1 + 0.01007)-18

Quedan S/. 332317 cuotas

Cuotas = 0.01784 x 3323 = 228.33 1 (1 + 0.01784)-17

CRONOGRAMA DE PAGOS:

Fecha de venc.n cuotavalor cuotaintersamortizacinsaldo13/06/2011

0S/. 0.00S/. 0.00S/. 0.00S/. 3,500.0030/06/20111S/. 213.57S/. 36.56S/. 177.01S/. 3,322.9930/07/20112S/. 228.33S/. 59.28S/. 169.05S/. 3,153.9430/08/20113S/. 228.33S/. 56.27S/. 172.07S/. 2,981.8730/09/20114S/. 228.33S/. 53.20S/. 175.14S/. 2,806.7330/10/20115S/. 228.33S/. 50.07S/. 178.26S/. 2,628.4730/11/20116S/. 228.33S/. 46.89S/. 181.44S/. 2,447.0330/12/20117S/. 228.33S/. 43.66S/. 184.68S/. 2,262.3530/01/20128S/. 228.33S/. 40.36S/. 187.97S/. 2,074.3829/02/20129S/. 228.33S/. 37.01S/. 191.33S/. 1,883.0630/03/201210S/. 228.33S/. 33.59S/. 194.74S/. 1,688.3230/04/201211S/. 228.33S/. 30.12S/. 198.21S/. 1,490.1030/05/201212S/. 228.33S/. 26.58S/. 201.75S/. 1,288.3530/06/201213S/. 228.33S/. 22.98S/. 205.35S/. 1,083.0030/07/201214S/. 228.33S/. 19.32S/. 209.01S/. 873.9930/08/201215S/. 228.33S/. 15.59S/. 212.74S/. 661.2530/09/201216S/. 228.33S/. 11.80S/. 216.54S/. 444.7130/10/201217S/. 228.33S/. 7.93S/. 220.40S/. 224.3130/11/201218S/. 228.33S/. 4.00S/. 224.33S/. -0.02

595.2

PROBLEMA 7

Monto prstamoS/. 21,440.00Tasa peridica das0.490%valor 1 cuotaS/. 413.30n de periodos 60Monto restante21146.19Tasa peridica1.230%nde periodos restantes59Valor cuotaS/. 506.16

VALOR DE LA CUOTA

MONTO INICIAL: $26800CUOTA INICIAL: $5360 pag el 21 de Junio del 2007SALDO: $21440TEA: 15.8% CUOTAS: 60PAGOS: 3 de cada mes

1 cuota = 0.0049 x 21440 = 413.3 1 (1 + 0.0049)-60

Quedan $ 21146.1959 cuotas

Cuotas = 0.0123 x 21146.19 = 506.16 1 (1 + 0.0123)-59

2) CRONOGRAMA DE PAGOS:

Fecha de venc.n cuotavalor cuotaintersamortizacinsaldo21/06/2007

0S/. 0.00S/. 0.00S/. 0.00S/. 21,440.0003/07/20071S/. 413.30S/. 119.49S/. 293.81S/. 21,146.1903/08/20072S/. 506.16S/. 260.10S/. 246.06S/. 20,900.1203/09/20073S/. 506.16S/. 257.07S/. 249.09S/. 20,651.0403/10/20074S/. 506.16S/. 254.01S/. 252.15S/. 20,398.8903/11/20075S/. 506.16S/. 250.91S/. 255.25S/. 20,143.6403/12/20076S/. 506.16S/. 247.77S/. 258.39S/. 19,885.2403/01/20087S/. 506.16S/. 244.59S/. 261.57S/. 19,623.6703/02/20088S/. 506.16S/. 241.37S/. 264.79S/. 19,358.8903/03/20089S/. 506.16S/. 238.11S/. 268.04S/. 19,090.8403/04/200810S/. 506.16S/. 234.82S/. 271.34S/. 18,819.5003/05/200811S/. 506.16S/. 231.48S/. 274.68S/. 18,544.8203/06/200812S/. 506.16S/. 228.10S/. 278.06S/. 18,266.7703/07/200813S/. 506.16S/. 224.68S/. 281.48S/. 17,985.2903/08/200814S/. 506.16S/. 221.22S/. 284.94S/. 17,700.3503/09/200815S/. 506.16S/. 217.71S/. 288.44S/. 17,411.9103/10/200816S/. 506.16S/. 214.17S/. 291.99S/. 17,119.9103/11/200817S/. 506.16S/. 210.57S/. 295.58S/. 16,824.3303/12/200818S/. 506.16S/. 206.94S/. 299.22S/. 16,525.1103/01/200919S/. 506.16S/. 203.26S/. 302.90S/. 16,222.2103/02/200920S/. 506.16S/. 199.53S/. 306.63S/. 15,915.5903/03/200921S/. 506.16S/. 195.76S/. 310.40S/. 15,605.1903/04/200922S/. 506.16S/. 191.94S/. 314.21S/. 15,290.9703/05/200923S/. 506.16S/. 188.08S/. 318.08S/. 14,972.9003/06/200924S/. 506.16S/. 184.17S/. 321.99S/. 14,650.9003/07/200925S/. 506.16S/. 180.21S/. 325.95S/. 14,324.9503/08/200926S/. 506.16S/. 176.20S/. 329.96S/. 13,994.9903/09/200927S/. 506.16S/. 172.14S/. 334.02S/. 13,660.9703/10/200928S/. 506.16S/. 168.03S/. 338.13S/. 13,322.8403/11/200929S/. 506.16S/. 163.87S/. 342.29S/. 12,980.5503/12/200930S/. 506.16S/. 159.66S/. 346.50S/. 12,634.0603/01/201031S/. 506.16S/. 155.40S/. 350.76S/. 12,283.3003/02/201032S/. 506.16S/. 151.08S/. 355.07S/. 11,928.2203/03/201033S/. 506.16S/. 146.72S/. 359.44S/. 11,568.7803/04/201034S/. 506.16S/. 142.30S/. 363.86S/. 11,204.9203/05/201035S/. 506.16S/. 137.82S/. 368.34S/. 10,836.5803/06/201036S/. 506.16S/. 133.29S/. 372.87S/. 10,463.7103/07/201037S/. 506.16S/. 128.70S/. 377.45S/. 10,086.2603/08/201038S/. 506.16S/. 124.06S/. 382.10S/. 9,704.1603/09/201039S/. 506.16S/. 119.36S/. 386.80S/. 9,317.3603/10/201040S/. 506.16S/. 114.60S/. 391.55S/. 8,925.8103/11/201041S/. 506.16S/. 109.79S/. 396.37S/. 8,529.4403/12/201042S/. 506.16S/. 104.91S/. 401.25S/. 8,128.1903/01/201143S/. 506.16S/. 99.98S/. 406.18S/. 7,722.0103/02/201144S/. 506.16S/. 94.98S/. 411.18S/. 7,310.8303/03/201145S/. 506.16S/. 89.92S/. 416.24S/. 6,894.6003/04/201146S/. 506.16S/. 84.80S/. 421.35S/. 6,473.2403/05/201147S/. 506.16S/. 79.62S/. 426.54S/. 6,046.7003/06/201148S/. 506.16S/. 74.37S/. 431.78S/. 5,614.9203/07/201149S/. 506.16S/. 69.06S/. 437.09S/. 5,177.8303/08/201150S/. 506.16S/. 63.69S/. 442.47S/. 4,735.3503/09/201151S/. 506.16S/. 58.24S/. 447.91S/. 4,287.4403/10/201152S/. 506.16S/. 52.74S/. 453.42S/. 3,834.0203/11/201153S/. 506.16S/. 47.16S/. 459.00S/. 3,375.0203/12/201154S/. 506.16S/. 41.51S/. 464.65S/. 2,910.3703/01/201255S/. 506.16S/. 35.80S/. 470.36S/. 2,440.0103/02/201256S/. 506.16S/. 30.01S/. 476.15S/. 1,963.8703/03/201257S/. 506.16S/. 24.16S/. 482.00S/. 1,481.8603/04/201258S/. 506.16S/. 18.23S/. 487.93S/. 993.9303/05/201259S/. 506.16S/. 12.23S/. 493.93S/. 500.0003/06/201260S/. 506.16S/. 6.15S/. 500.01S/. -0.01

S/. 8,836.63

mercado de capitales problemas

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