primer taller de fundamentación financiera

8/19/2019 Primer Taller de Fundamentación Financiera

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1)

Mensual simple simple TrimestrP 50,000,000 P

F 84,000,000 F

n 36 n

i X i

I 1.89% I

2)

P 1,000,000

F 2,000,000

n X

i 6.0%

N 16.67

3)

P X

F 480,000

n 8

i 6.0%

P 324,324

Intereses mensuales 19,459Intereses totales 155,676

PIM! T"##!'N("M!NT"I*

Inte+rantesLeidy Marcela Aristizáal !s"ri"

Lady #"$ana asta&eda '()(e*(l+a (liet$ Ac"sta Ar"leda

(al -(e el rendi+ient" )(e $iz" Pedr" si des/(s de entrearle a s( $er An(al si+/le7 22,6% Mens(al si+/le7 1,89% :ri+estral si+/le7 5,6%

Las /render;as c"ran (na tasa de inters +ens(al del 6% si+/le s"re elcrdit" =n 16,6 +eses

iert" ca/ital in


2/12

4)

uota ini-ial 10,000,000

12 c("tas antici/adas 1,050,0002 c("tas e?tra"rdinaria 1,000,000

i 4.0%

A 1,050,000 F

P X P

n 12 n

i 4.00% i

$alor presente 1,248,51 $alor presente

("ta inicial 10,000,000$alor m/0uina 21,714,379

Perioo uota Intereses "ono apital0 11,050,000

1 1,050,000 426,55 623,425

2 1,050,000 401,638 648,362

3 1,050,000 35,04 64,296

4 1,050,000 348,32 01,268

5 1,050,000 320,681 29,319

6 2,050,000 291,508 1,58,492 1,050,000 221,169 828,831

8 1,050,000 188,015 861,985

9 1,050,000 153,536 896,464

10 2,050,000 11,68 1,932,322

11 1,050,000 40,385 1,009,615

5)

P 10,000,000

A X

n 36

i /ri+er a&" 3.0%

i se(nd" a&" 3.5%

Perioo uota Intereses "ono

Al se&"r al"s le @nancian (na +a)(ina, la ad)(iere de la si(iente +anede 1.050.000 /aaderas en -"r+a antici/ada y d"s c("tas e?tra"rdinaria@nanciacin )(e le caran es del 4% +ens(al, se /ide calc(lar el


3/12

0

1 300,000 C300,000D

2 309,000 C309,000D

3 318,20 C318,20D

4 32,818 C32,818D

5 449,566 33,653 111,913

6 449,566 334,295 115,21 449,566 330,83 118,29

8 449,566 32,25 122,291

9 449,566 323,60 125,959

10 1,949,566 319,828 1,629,38

11 449,566 20,936 18,630

12 449,566 265,5 183,989

13 1,949,566 303,400 1,646,166

14 449,566 245,84 203,82

15 449,566 238,652 210,914

16 449,566 231,20 218,2961 449,566 223,629 225,936

18 449,566 215,22 233,844

19 449,566 20,53 242,029

20 449,566 199,066 250,500

21 449,566 190,299 259,26

22 449,566 181,224 268,342

23 449,566 11,832 2,34

24 449,566 162,112 28,454

25 449,566 152,051 29,515

26 449,566 141,638 30,928

2 449,566 130,860 318,06

28 449,566 119,05 329,860

29 449,566 108,160 341,405

30 449,566 96,211 353,355

31 449,566 83,844 365,22

32 449,566 1,043 38,522

33 449,566 5,95 391,1

34 449,566 44,083 405,483

35 449,566 29,891 419,65

36 449,566 15,203 434,363

6)

P 65,000

F 120,000

n X

Al ca" de c(ant" tie+/" (na in


4/12

i 4.0%

N 15.63

7)

!liacin

a c(atr" +eses 1,600,000

a "c$" +eses 1,200,000

a d"ce +eses 2,000,000

i 2.0%

i re@nanciacin 2.5%'"s /a"s i(ales 1,00,000

=l /ri+er" 5 +eses +as tarde

P X P

F 1,200,000 F

n 4 n

i 2.00% i

$alor presente 1,18,615 $alor presente

2,815,595

2,815,595 1,502,552 E

1,313,043

1,313,043

1,00,000

0.238215

G0.258280934

G10.45984635

N 1.46

sted tiene (na "liacin )(e c"nsta de tres /aares, as; 1.600.000 a cc"n (na tasa de inters del 2% +ens(al. na


5/12

8)

P 500,000 P

F X F

n 9 n

i 2.5% i

' 624,431 '

$alor total aorrao 4,443,818

Perioo uota Intereses alo0 G1 G G G

2 G G G

3 500,000 G 500,000

4 G 12,500 512,500

5 G 12,813 525,313

6 2,000,000 13,133 2,538,445

G 63,461 2,601,906

8 G 65,048 2,666,954

9 G 66,64 2,33,628

10 G 68,341 2,801,969

11 G 0,049 2,82,018

12 1,500,000 1,800 4,443,818

9)

P 1,000,000 P

F X F

n 4 n

i 2.0% i

' 1,82,432 '

5,995,652

na /ers"na $ace l"s si(ientes de/sit"s en (na c(enta de a$"rr"s )(edentr" de seis +eses, y 1.500.000 dentr" (n a&".A. Hallar la cantidad t"tal ac(+(lada en la c(enta de a$"rr"s dentr" de (I. ealice la tala de a+"rtizacin

na "liacin c"nsta de tres /aares, as;7 1.000.000, 2.500.000 y 3.B(stit(irla /"r (n s"l" /aar /ara dentr" de siete +eses, teniend" en c(el /ri+er a&", y del 2,5% de all; en adelante. =l /aare en el +es siete dee ser /"r 5.995.652

P7


6/12

1)

P 1,000,000F 3,000,000

n 30

i X

I 3.73%

>J( es +eK"r7 in


7/12

l simple "nual simple 50,000,000 P 50,000,000

84,000,000 F 84,000,000

12 n 3

X i X

5.67% I 22.67%

$"#"TI$& 'IN"NI!"

an" 50.000.000 y a l"s 36 +eses el recii 84.000.000


8/12

1,000,000 F 1,000,000

X P X

6 n 10

4.00% i 4.00%

79,315 $alor presente 675,564

alo 10,664,39

10,040,954

9,392,593

8,18,296

8,01,028

,28,09

5,529,2184,00,386

3,838,402

2,941,938

1,009,615

0

alo $alor -uota 449,566

ra7 na c("ta inicial de 10.000.000, 12 c("tas +ens(ales i(aless de 1.000.000 cada (na, en l"s +eses 6 y 10. Bi la tasa dec"ntad" y realizar la tala de a+"rtizacin

as +ens(ales i(ales deiend" cancelar la /ri+era dentr" de 5nd" )(e la tasa es del 3% +ens(al el /ri+er a&" y del 3,5%


9/12

10,000,000

10,300,000

10,609,000

10,92,20

11,255,088

11,143,15

11,02,90410,909,16

10,86,885

10,660,926

9,031,188

8,852,558

8,668,569

,022,403

6,818,621

6,60,0

6,389,4116,163,44

5,929,630

5,68,601

5,43,102

5,1,834

4,909,493

4,631,59

4,344,305

4,046,90

3,38,861

3,420,156

3,090,295

2,48,890

2,395,535

2,029,813

1,651,291

1,259,520

854,038

434,363

0

000, saiend" )(e el diner" rinde el 4% +ens(al


10/12

X P X

2,000,000 F 1,00,000

8 n 5

2.00% i 2.50%

1,76,981 $alor presente 1,52,552

1,00,000

1.00.000C1E0,25Dn

Gn Ln C1,025D

0.0246926126

(atr" +eses, 1.200.000 a "c$" +eses y 2.000.000 a d"ce +eses,are, (sted s"licita )(e l"s d"s restantes le sean s(stit(id"s /"r d"s+ás tarde de esa -ec$a. >(and" se dee cancelar el se(nd", si

C1E2.5%Dn

C1,025DGn

C1,025DGn


11/12

2,000,000 P 1,500,000

X F X

6 n 0

2.5% i 2.5%

2,319,387 ' 1,5,

G

X P X

2,500,000 F 3,000,000

1 n 8

2.0% i 2.5%

2,45,98 ' 2,462,24

aa el 2,5% +ens(al7 500.000 dentr" de tres +eses, 2.000.000

a&" A$"rr" t"tal 4.443.818

00.000 /ara l"s +eses tres, "c$" y )(ince res/ecti


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al ca" de d"s a&"s y +edi", " in

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