Hoja de respuestas Tarea

Módulo 3
Pregunta Respuesta
1 (hoja de desarrollo)
2 (hoja de desarrollo)
3 (hoja de desarrollo)
4 S/ 69.20
5 S/ 612.74
6 S/ 25,000
7 (hoja de desarrollo)
1.-
Prestamo 100,000 periodo
Plazo 10 0
Periodo meses 1
N° periodos 10 2
Per. de Gracia 2 3
Per. de Pago 8 4
Tipo Al vencimiento 5
TE mensual 1.39% 6
TEA 18% 7
8
9
S/ 13,293.79 10

2.- C 100000 PERIODOS

Suma Digitos 55 0
fact de amortizacion 1818.1818181818 1
TEA= 0.18 2
TEM= 0.015 3
4
5
2173.9131 6
7
8
9
10

3.- CREDITO 100000 PERIODOS

N° CUOTAS 10 0
TEM 0.015 1
FAC AMORTIZACION 1818.1818181818 2
3
4
2381 5
6
7
8
 9
10

4.- Prestamo S/ 100,000.00 Periodo

Plazo 1 año 1
Periodo mensual 2
N° periodos 12 3
Per. de Gracia 0 4
Per. de Pago 12 5
TE mensual 15% 6
TEA 1.17% 7
8
9
10
11
12
S/ 100,000 Flujo A 11.134076622229
-1 1.0
-3 1.0
-5 0.9
-7 0.9
-9 0.9
-11 0.9
16.73353374

S/ 5,976.02

5.- PRESTAMO 300000 PERIODOS

TEA 0.18 0
TEM 0.015 1
2
12500 3
4
13820.586 5
6
7
8
 9
10
11
12

6.-
Valor del Activo S/ 250,000.00
Valor de Rescate S/ 25,000.00 10%
Vida Util 10 años

Depreciacion total S/ 225,000

Tasa 20.6%

7.-
Costo del activo S/ 1,000,000
Valor de rescate S/ 100,000 10%
Total de produccion S/ 9,000,000

Depreciacion Total S/ 900,000

Depreciacion unitaria S/ 0.10

 principal inicial Pago de principal pago de interes pago total
S/ 100,000 S/ 0.00 S/ 0.00 S/ 0.00
S/ 100,000 S/ 11,904.95 S/ 1,388.84 S/ 13,293.79
S/ 88,095.05 S/ 12,070.29 S/ 1,223.50 S/ 13,293.79
S/ 76,024.76 S/ 0.00 S/ 1,055.86 S/ 1,055.86
S/ 76,024.76 S/ 12,237.93 S/ 1,055.86 S/ 13,293.79
S/ 63,786.83 S/ 12,407.89 S/ 885.90 S/ 13,293.79
S/ 51,378.94 S/ 0.00 S/ 713.57 S/ 713.57
S/ 51,378.94 S/ 12,580.22 S/ 713.57 S/ 13,293.79
S/ 38,798.72 S/ 12,754.94 S/ 538.85 S/ 13,293.79
S/ 26,043.78 S/ 12,932.09 S/ 361.71 S/ 13,293.79
S/ 13,111.69 S/ 13,111.69 S/ 182.10 S/ 13,293.79

CUOTA O ANUALIDAD INTERES ABONO SALDO

0.00 0.00 0.00 100000.00
3673.91 1500.00 2173.91 97826.09
5815.22 1467.39 4347.83 93478.26
1402.17 1402.17 0.00 93478.26
10097.83 1402.17 8695.65 84782.61
12141.30 1271.74 10869.57 73913.04
1108.70 1108.70 0.00 73913.04
16326.09 1108.70 15217.39 58695.65
18271.74 880.43 17391.30 41304.35
20184.78 619.57 19565.22 21739.13
22065.22 326.09 21739.13 0.00

CUOTA INTERES ABONO

0.00 0.00 0.00
10 25310.00 1500.00 23810.00
9 22571.85 1142.85 21429.00
8 821.41 821.41 0.00
7 17488.42 821.41 16667.00
6 14857.41 571.41 14286.00
5 357.12 357.12 0.00
4 9881.12 357.12 9524.00
3 7357.26 214.26 7143.00
 2 4869.12 107.11 4762.00
1 2416.69 35.69 2381.00

Principal inicial Pago de principal Pago de intereses Flujo A

S/ 100,000.00 S/ 10,780.56 S/ 1,171.49 S/ 5,976.02
S/ 89,219.44 S/ 4,930.83 S/ 1,045.20 S/ 5,976.02
S/ 84,288.62 S/ 10,964.61 S/ 987.43 S/ 5,976.02
S/ 73,324.00 S/ 5,117.04 S/ 858.98 S/ 5,976.02
S/ 68,206.96 S/ 11,153.01 S/ 799.04 S/ 5,976.02
S/ 57,053.96 S/ 5,307.64 S/ 668.38 S/ 5,976.02
S/ 51,746.31 S/ 11,345.84 S/ 606.20 S/ 5,976.02
S/ 40,400.47 S/ 5,502.74 S/ 473.29 S/ 5,976.02
S/ 34,897.73 S/ 11,543.22 S/ 408.82 S/ 5,976.02
S/ 23,354.51 S/ 5,702.43 S/ 273.60 S/ 5,976.02
S/ 17,652.08 S/ 11,745.26 S/ 206.79 S/ 5,976.02
S/ 5,906.83 S/ 5,906.83 S/ 69.20 S/ 5,976.02

M. 123 CUOTA O ANUALIDAD INTERES ABONO

0.000 0.000 0.000
1 13820.59 4500.00 9320.59
2 27641.17 4360.19 23280.98
3 41461.76 4010.98 37450.78
1 13820.59 3449.21 10371.37
2 27641.17 3293.64 24347.53
3 41461.76 2928.43 38533.33
1 13820.59 2350.43 11470.15
2 27641.17 2178.38 25462.79
 3 41461.76 1796.44 39665.32
1 13820.59 1201.46 12619.13
2 27641.17 1012.17 26629.00
3 41461.76 612.74 40849.02

Fin de año Valor en libros inicial Depreciacion anual Depreciacion acumulada

1 S/ 250,000.00 S/ 51,417.94 S/ 51,417.94
2 S/ 198,582.06 S/ 40,842.72 S/ 92,260.66
3 S/ 157,739.34 S/ 32,442.53 S/ 124,703.19
4 S/ 125,296.81 S/ 25,770.02 S/ 150,473.21
5 S/ 99,526.79 S/ 20,469.85 S/ 170,943.06
6 S/ 79,056.94 S/ 16,259.78 S/ 187,202.84
7 S/ 62,797.16 S/ 12,915.60 S/ 200,118.44
8 S/ 49,881.56 S/ 10,259.23 S/ 210,377.67
9 S/ 39,622.33 S/ 8,149.19 S/ 218,526.86
10 S/ 31,473.14 S/ 6,473.14 S/ 225,000.00

Año N Tapas Depreciacion anual

1 S/ 170,000 S/ 17,000
2 S/ 390,000 S/ 39,000
3 S/ 560,000 S/ 56,000
4 S/ 710,000 S/ 71,000
5 S/ 950,000 S/ 95,000
6 S/ 1,125,000 S/ 112,500
7 S/ 1,585,000 S/ 158,500
8
9 S/ 1,550,000 S/ 155,000
10 S/ 1,980,000 S/ 198,000
principal final
S/ 100,000
S/ 88,095.05
S/ 76,024.76
S/ 76,024.76
S/ 63,786.83
S/ 51,378.94
S/ 51,378.94
S/ 38,798.72
S/ 26,043.78
S/ 13,111.69
S/ 0.00

SALDO
100000.00
76190.00
54761.00
54761.00
38094.00
23808.00
23808.00
14284.00
7141.00
 2379.00
-2.00

Flujo B Pago total Principal final

S/ 5,976.02 S/ 11,952.05 S/ 89,219.44
S/ 5,976.02 S/ 84,288.62
S/ 5,976.02 S/ 11,952.05 S/ 73,324.00
S/ 5,976.02 S/ 68,206.96
S/ 5,976.02 S/ 11,952.05 S/ 57,053.96
S/ 5,976.02 S/ 51,746.31
S/ 5,976.02 S/ 11,952.05 S/ 40,400.47
S/ 5,976.02 S/ 34,897.73
S/ 5,976.02 S/ 11,952.05 S/ 23,354.51
S/ 5,976.02 S/ 17,652.08
S/ 5,976.02 S/ 11,952.05 S/ 5,906.83
S/ 5,976.02 S/ 0.00

SALDO
300000.000
290679.41
267398.43
229947.65
219576.28
195228.75
156695.43
145225.27
119762.48
 80097.16
67478.03
40849.03
0.00

valor en libros final

S/ 198,582.06
S/ 157,739.34
S/ 125,296.81
S/ 99,526.79
S/ 79,056.94
S/ 62,797.16
S/ 49,881.56
S/ 39,622.33
S/ 31,473.14
S/ 25,000.00