Matemáticas financieras
AdrianninoTarea3 de Agosto de 2022
690 Palabras (3 Páginas)89 Visitas
1. Una deuda de $100,000 se debe amortizar en 10 años con pagos semestrales a una tasa de 18% semestral. Hallar el capital insoluto al final del 7º año. (Elaborar la tabla de amortización)
PC=100000
n=20 semestres
i=18%
R = (100000 * 0.18) / [1 – (1 + 0.18)-20]
R = 18,682
Tabla amortización
Periodo | Abono | Interés | Amortización | Saldo insoluto |
0 | 100,000.00 | |||
1 | 18,682.00 | 18,000.00 | 682.00 | 99,318.00 |
2 | 18,682.00 | 17,877.24 | 804.76 | 98,513.24 |
3 | 18,682.00 | 17,732.38 | 949.61 | 97,563.63 |
4 | 18,682.00 | 17,561.45 | 1,120.54 | 96,443.09 |
5 | 18,682.00 | 17,359.76 | 1,322.24 | 95,120.84 |
6 | 18,682.00 | 17,121.75 | 1,560.25 | 93,560.60 |
7 | 18,682.00 | 16,840.91 | 1,841.09 | 91,719.51 |
8 | 18,682.00 | 16,509.51 | 2,172.49 | 89,547.02 |
9 | 18,682.00 | 16,118.46 | 2,563.53 | 86,983.48 |
10 | 18,682.00 | 15,657.03 | 3,024.97 | 83,958.51 |
11 | 18,682.00 | 15,112.53 | 3,569.47 | 80,389.05 |
12 | 18,682.00 | 14,470.03 | 4,211.97 | 76,177.08 |
13 | 18,682.00 | 13,711.87 | 4,970.12 | 71,206.95 |
14 | 18,682.00 | 12,817.25 | 5,864.75 | 65,342.20 |
15 | 18,682.00 | 11,761.60 | 6,920.40 | 58,421.80 |
16 | 18,682.00 | 10,515.92 | 8,166.07 | 50,255.73 |
17 | 18,682.00 | 9,046.03 | 9,635.97 | 40,619.76 |
18 | 18,682.00 | 7,311.56 | 11,370.44 | 29,249.32 |
19 | 18,682.00 | 5,264.88 | 13,417.12 | 15,832.20 |
20 | 18,682.00 | 2,849.80 | 15,832.20 | 0.00 |
Capital insoluto al final del 7mo año: 65,342.20
2. Se adquiere un crédito bancario a 7 años, con 1 año de gracia, por la cantidad de $ 750,000, cobrando una tasa de interés del 24.78 % anual. (Elaborar la tabla de amortización)
PC=750000
n=7 años
i=24.78%
Periodo de gracia=1 año
R = (75000 * 0.2478) / [1 – (1 + 0.2478)7]
R = 252,832.85
Periodo | Abono | Interés | Amortización | Saldo insoluto |
0 | 750000 | |||
1 | 750000 | |||
2 | 252,832.85 | 185,850.00 | 66,982.85 | 683,017.15 |
3 | 252,832.85 | 169,251.65 | 83,581.20 | 599,435.95 |
4 | 252,832.85 | 148,540.23 | 104,292.62 | 495,143.34 |
5 | 252,832.85 | 122,696.52 | 130,136.33 | 365,007.01 |
6 | 252,832.85 | 90,448.74 | 162,384.11 | 202,622.89 |
7 | 252,832.85 | 50,209.95 | 202,622.89 | 0.00 |
3. Calcular la depreciación mensual, por el método fijo, de un automóvil, que tiene un monto original de la inversión de $ 286,000 (% de depreciación anual 25%)
C=286000
p=25%
n=5 años
VS = 286000 (1 – 0.25)5
VS = 80,865.5
Periodo | Valor contable al final del periodo | Cargo depreciación | Depreciación acumulada |
0 | 286000.00 | ||
1 | 286000.00 | 5,958.33 | $ 5,958.33 |
2 | 286000.00 | 5,958.33 | $ 11,792.53 |
3 | 286000.00 | 5,958.33 | $ 17,505.19 |
4 | 286000.00 | 5,958.33 | $ 23,098.83 |
5 | 286000.00 | 5,958.33 | $ 28,575.94 |
6 | 286000.00 | 5,958.33 | $ 33,938.94 |
7 | 286000.00 | 5,958.33 | $ 39,190.21 |
8 | 286000.00 | 5,958.33 | $ 44,332.08 |
9 | 286000.00 | 5,958.33 | $ 49,366.83 |
10 | 286000.00 | 5,958.33 | $ 54,296.69 |
11 | 286000.00 | 5,958.33 | $ 59,123.84 |
12 | 286000.00 | 5,958.33 | $ 63,850.43 |
13 | 286000.00 | 5,958.33 | $ 68,478.54 |
14 | 286000.00 | 5,958.33 | $ 73,010.24 |
15 | 286000.00 | 5,958.33 | $ 77,447.53 |
16 | 286000.00 | 5,958.33 | $ 81,792.37 |
17 | 286000.00 | 5,958.33 | $ 86,046.70 |
18 | 286000.00 | 5,958.33 | $ 90,212.39 |
19 | 286000.00 | 5,958.33 | $ 94,291.30 |
20 | 286000.00 | 5,958.33 | $ 98,285.23 |
21 | 286000.00 | 5,958.33 | $ 102,195.95 |
22 | 286000.00 | 5,958.33 | $ 106,025.21 |
23 | 286000.00 | 5,958.33 | $ 109,774.68 |
24 | 286000.00 | 5,958.33 | $ 113,446.04 |
25 | 286000.00 | 5,958.33 | $ 117,040.92 |
26 | 286000.00 | 5,958.33 | $ 120,560.90 |
27 | 286000.00 | 5,958.33 | $ 124,007.54 |
28 | 286000.00 | 5,958.33 | $ 127,382.39 |
29 | 286000.00 | 5,958.33 | $ 130,686.92 |
30 | 286000.00 | 5,958.33 | $ 133,922.61 |
31 | 286000.00 | 5,958.33 | $ 137,090.89 |
32 | 286000.00 | 5,958.33 | $ 140,193.16 |
33 | 286000.00 | 5,958.33 | $ 143,230.80 |
34 | 286000.00 | 5,958.33 | $ 146,205.16 |
35 | 286000.00 | 5,958.33 | $ 149,117.56 |
36 | 286000.00 | 5,958.33 | $ 151,969.27 |
37 | 286000.00 | 5,958.33 | $ 154,761.58 |
38 | 286000.00 | 5,958.33 | $ 157,495.71 |
39 | 286000.00 | 5,958.33 | $ 160,172.89 |
40 | 286000.00 | 5,958.33 | $ 162,794.28 |
41 | 286000.00 | 5,958.33 | $ 165,361.07 |
42 | 286000.00 | 5,958.33 | $ 167,874.38 |
43 | 286000.00 | 5,958.33 | $ 170,335.33 |
44 | 286000.00 | 5,958.33 | $ 172,745.01 |
45 | 286000.00 | 5,958.33 | $ 175,104.49 |
46 | 286000.00 | 5,958.33 | $ 177,414.81 |
47 | 286000.00 | 5,958.33 | $ 179,677.01 |
48 | 286000.00 | 5,958.33 | $ 181,892.07 |
49 | 286000.00 | 5,958.33 | $ 184,060.98 |
50 | 286000.00 | 5,958.33 | $ 186,184.71 |
51 | 286000.00 | 5,958.33 | $ 188,264.20 |
52 | 286000.00 | 5,958.33 | $ 190,300.36 |
53 | 286000.00 | 5,958.33 | $ 192,294.10 |
54 | 286000.00 | 5,958.33 | $ 194,246.31 |
55 | 286000.00 | 5,958.33 | $ 196,157.84 |
56 | 286000.00 | 5,958.33 | $ 198,029.56 |
57 | 286000.00 | 5,958.33 | $ 199,862.27 |
58 | 286000.00 | 5,958.33 | $ 201,656.81 |
59 | 286000.00 | 5,958.33 | $ 203,413.96 |
60 | 286000.00 | 5,958.33 | $ 205,134.50 |
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