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Hoja1

ALUMNOS: DEIVS JEAN DIAZ PASAPERAEjercicio: Juan realiza un prstamo bancario a 15 meses de S/.20,000 en el Banco BCP. Teniendo una tasa efectiva anual de 15% . Se desea saber cuanto sera su cuota y el pago total en los siguientes tres casos : a) Pagos mensuales b) Pagos quincenales y c) Pagos trimestrales. Calcular el VAN y TIR . Explique que encontro

a)b)c)PRESTAMO=20,000.00SOLESPRESTAMO=20,000.00SOLESPRESTAMO=20,000.00SOLESTasa Inters Efectiva Anual =15%Tasa Inters Efectiva Anual =15%Tasa Inters Efectiva Anual =15%Tasa Inters Efectiva mensual=0.01171491692Ie = ( 1+ i/n)n -1Tasa Inters Efectiva quincenal=0.00584040330Ie = ( 1+ i/n)n -1Tasa Inters Efectiva trimestral=0.03555807634Ie = ( 1+ i/n)n -1Periodos mensuales=150.0117149169Periodos quincenales=300.0058404033Periodos trimestrales=50.0355580763Factor de Recuperacin Capital FRC =i ( 1+i)n =0.01395119840.0730843297Factor de Recuperacin Capital FRC =i ( 1+i)n =0.00695528830.0364357651Factor de Recuperacin Capital FRC =i ( 1+i)n =0.04234582110.2218315497(1+i)n-10.1908917878(1+i)n-10.1908917878(1+i)n-10.1908917878

Servicio deuda=Ptmo x FRC1461.6865938379Servicio deuda=Ptmo x FRC728.7153012921Servicio deuda=Ptmo x FRC4436.6309933561

MESESPRINCIPAL INICIOAMORTIZACIONINTERESSERVICIO DE DEUDASALDOQUINCENASPRINCIPAL INICIOAMORTIZACIONINTERESSERVICIO DE DEUDASALDOTRIMESTREPRINCIPAL INICIOAMORTIZACIONINTERESSERVICIO DE DEUDASALDO-20,000.00-20,000.00-20,000.00120,000.001,227.39234.301,461.6918,772.61120,000.00611.91116.81728.7219,388.09120,000.003,725.47711.164,436.6316,274.53218,772.611,241.77219.921,461.6917,530.84219,388.09615.48113.23728.7218,772.61216,274.533,857.94578.694,436.6312,416.59317,530.841,256.31205.371,461.6916,274.53318,772.61619.08109.64728.7218,153.54312,416.593,995.12441.514,436.638,421.47416,274.531,271.03190.651,461.6915,003.50418,153.54622.69106.02728.7217,530.8448,421.474,137.18299.454,436.634,284.29515,003.501,285.92175.761,461.6913,717.58517,530.84626.33102.39728.7216,904.5254,284.294,284.29152.344,436.630.00613,717.581,300.99160.701,461.6912,416.59616,904.52629.9998.73728.7216,274.53TOTAL20,000.002,183.1522,183.1541,396.88712,416.591,316.23145.461,461.6911,100.36716,274.53633.6795.05728.7215,640.87811,100.361,331.65130.041,461.699,768.72815,640.87637.3791.35728.7215,003.50TIR3.56%99,768.721,347.25114.441,461.698,421.47915,003.50641.0987.63728.7214,362.41108,421.471,363.0398.661,461.697,058.441014,362.41644.8383.88728.7213,717.58VAN0.00117,058.441,379.0082.691,461.695,679.441113,717.58648.6080.12728.7213,068.98125,679.441,395.1566.531,461.694,284.291213,068.98652.3976.33728.7212,416.59134,284.291,411.5050.191,461.692,872.791312,416.59656.2072.52728.7211,760.39142,872.791,428.0333.651,461.691,444.761411,760.39660.0368.69728.7211,100.36151,444.761,444.7616.931,461.690.001511,100.36663.8864.83728.7210,436.48TOTAL15,715.711,824.5317,540.241610,436.48667.7660.95728.729,768.72179,768.72671.6657.05728.729,097.05TIR1.17%189,097.05675.5853.13728.728,421.47198,421.47679.5349.18728.727,741.94VAN0.00207,741.94683.5045.22728.727,058.44217,058.44687.4941.22728.726,370.95226,370.95691.5137.21728.725,679.44235,679.44695.5533.17728.724,983.90244,983.90699.6129.11728.724,284.29254,284.29703.6925.02728.723,580.60263,580.60707.8020.91728.722,872.79272,872.79711.9416.78728.722,160.86282,160.86716.1012.62728.721,444.76291,444.76720.288.44728.72724.4830724.48724.484.23728.72-0.00TOTAL20,000.001,861.4621,861.46298,720.98TIR0.58%VAN0.00000Explicacin del resultado:Se encontro la tasa TIR que es igual a la tasa de interesa del periodo, esto de debe que es una corrida ya tiene una tasa de interes. Por ello sale esa misma tasa a la hora de calcular el TIR, pero si nosotros calculamos el TIR a un flujo de efectivo o a una flujo de caja donde no hubo una tasa de interes, este calcular esa tasa para ver cuan rentable es nuestra inversin y se compar con las tasas de interes de referencia del sistema de financiero.En cuanto al VAN, sale cero ya que se utiliza la misma tasa de interes (por ser una corrida bancaria) si fuera un flujo de caja o efectivo se coloca una tasa de referencia para ver si el dinero en el tiempo es positovo y ver si es rentable la inversin.

Hoja2

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