1 ¿Cuál es el valor futuro de una serie anual uniforme de $1450 durante 8 años a una tasa de interés del 6,42%?

2 Una madre de familia le proponen depositar hoy 2630. Si se considera una tasa de interés de 5,2% anual. Encontrar I y

3 Encontrar cada uno de los pagos y amortizaciones realizados por el Sr. Rodriguez durante 4 años para pagar una deuda

4 Un Banco obtiene fondos al costo de 12% y presta a los microempresarios al 58.6% anual, ganándose así el 46.6% bruto

5 ¿Un padre de familia que deposito su gratificación de S/. 4,000 a un año dos meses ha ganado S/. 635 de interés ¿Qué

6 Gabriela desea invertir en un nuevo negocio de modas, para lo cual requiere realizar un préstamo de 16987 a una tasa

7 ¿Qué interés se obtendrá de siete mil soles que se mantuvieron en una cuenta de ahorros en el Banco CREDILL, durante

8 La Corporación ADC requiere un financiamiento de 35980 nuevos soles, para lo cual desea que le aconsejen en cual de
a) Préstamo en el banco "A" cuya tasa de interés es equivalente a 12% anual por un periodo de financiamiento de 48 m
b) Préstamo en el banco "B" por un periodo de 3 años a una tasa de interés del 0.95% mensual
c) Pagaré a un plazo de 1,5 años con una tasa de interés del 3.2% anual

Determinar mediante cuadros comparativos el interés pagado en cada una de las opciones, el estado de la deuda en el
Considerar que es una empresa establecida en el mercado con múltiples productos a la venta.

1
A= S/1,450 VF= S/14,569.48
i= 6.42% anual
n= 8 años
VF= ?

VA= S/2,630 VF= S/3,061.98

2
i= 5.20%
n= 3 I= S/431.98
VF= ?
I= ?

Prestamo S/9,656 Periodo Cuota Interes Amortizacion

i= 3.40% 0
n= 48 1 S/410.85 S/328.30 S/82.55
VF= ? 2 S/410.85 S/325.50 S/85.35
3 S/410.85 S/322.60 S/88.25
4 S/410.85 S/319.59 S/91.26
 5 S/410.85 S/316.49 S/94.36
6 S/410.85 S/313.28 S/97.57
7 S/410.85 S/309.97 S/100.88
8 S/410.85 S/306.54 S/104.31
9 S/410.85 S/302.99 S/107.86
10 S/410.85 S/299.32 S/111.53
11 S/410.85 S/295.53 S/115.32
12 S/410.85 S/291.61 S/119.24
13 S/410.85 S/287.56 S/123.29
14 S/410.85 S/283.36 S/127.49
15 S/410.85 S/279.03 S/131.82
16 S/410.85 S/274.55 S/136.30
17 S/410.85 S/269.91 S/140.94
18 S/410.85 S/265.12 S/145.73
19 S/410.85 S/260.17 S/150.68
20 S/410.85 S/255.04 S/155.81
21 S/410.85 S/249.75 S/161.10
22 S/410.85 S/244.27 S/166.58
23 S/410.85 S/238.60 S/172.25
24 S/410.85 S/232.75 S/178.10
25 S/410.85 S/226.69 S/184.16
26 S/410.85 S/220.43 S/190.42
27 S/410.85 S/213.96 S/196.89
28 S/410.85 S/207.26 S/203.59
29 S/410.85 S/200.34 S/210.51
30 S/410.85 S/193.18 S/217.67
31 S/410.85 S/185.78 S/225.07
32 S/410.85 S/178.13 S/232.72
33 S/410.85 S/170.22 S/240.63
34 S/410.85 S/162.04 S/248.81
35 S/410.85 S/153.58 S/257.27
36 S/410.85 S/144.83 S/266.02
37 S/410.85 S/135.78 S/275.07
38 S/410.85 S/126.43 S/284.42
39 S/410.85 S/116.76 S/294.09
40 S/410.85 S/106.76 S/304.09
41 S/410.85 S/96.42 S/314.43
42 S/410.85 S/85.73 S/325.12
43 S/410.85 S/74.68 S/336.17
44 S/410.85 S/63.25 S/347.60
45 S/410.85 S/51.43 S/359.42
46 S/410.85 S/39.21 S/371.64
47 S/410.85 S/26.57 S/384.28
48 S/410.85 S/13.51 S/397.34
 VA= S/4,000 i= 1.06%
VF= 4635.00
n= 14 meses
i= ?

Prestamo S/16,987 Periodo Cuota Interes Amortizacion

i= 4.20% 0
n= 42 1 S/867.58 S/713.45 S/154.12
I= ? 2 S/867.58 S/706.98 S/160.59
3 S/867.58 S/700.24 S/167.34
I= S/19,451.17 4 S/867.58 S/693.21 S/174.37
5 S/867.58 S/685.88 S/181.69
6 S/867.58 S/678.25 S/189.32
7 S/867.58 S/670.30 S/197.27
8 S/867.58 S/662.02 S/205.56
9 S/867.58 S/653.38 S/214.19
10 S/867.58 S/644.39 S/223.19
11 S/867.58 S/635.01 S/232.56
12 S/867.58 S/625.25 S/242.33
13 S/867.58 S/615.07 S/252.51
14 S/867.58 S/604.46 S/263.11
15 S/867.58 S/593.41 S/274.16
16 S/867.58 S/581.90 S/285.68
17 S/867.58 S/569.90 S/297.68
18 S/867.58 S/557.40 S/310.18
19 S/867.58 S/544.37 S/323.21
20 S/867.58 S/530.79 S/336.78
21 S/867.58 S/516.65 S/350.93
22 S/867.58 S/501.91 S/365.67
23 S/867.58 S/486.55 S/381.02
24 S/867.58 S/470.55 S/397.03
25 S/867.58 S/453.87 S/413.70
26 S/867.58 S/436.50 S/431.08
27 S/867.58 S/418.39 S/449.18
 28 S/867.58 S/399.53 S/468.05
29 S/867.58 S/379.87 S/487.71
30 S/867.58 S/359.38 S/508.19
31 S/867.58 S/338.04 S/529.53
32 S/867.58 S/315.80 S/551.78
33 S/867.58 S/292.63 S/574.95
34 S/867.58 S/268.48 S/599.10
35 S/867.58 S/243.32 S/624.26
36 S/867.58 S/217.10 S/650.48
37 S/867.58 S/189.78 S/677.80
38 S/867.58 S/161.31 S/706.27
39 S/867.58 S/131.65 S/735.93
40 S/867.58 S/100.74 S/766.84
41 S/867.58 S/68.53 S/799.05
42 S/867.58 S/34.97 S/832.61

VA= S/7,000 VF= S/7,191.65

i= 0.54% mensual
n= 5 meses I= S/191.65
I= ?
VF= ?

A B C A

S/35,980 S/35,980 S/35,980 Periodo Cuota

Prestamo=
i= 1.00% 0.95% 0.27% 0
n= 48 36 18 1 S/947.49
VF= S/58,007.89 S/50,569.52 2 S/947.49
3 S/947.49
4 S/947.49
5 S/947.49
6 S/947.49
7 S/947.49
8 S/947.49
9 S/947.49
10 S/947.49
11 S/947.49
12 S/947.49
13 S/947.49
14 S/947.49
15 S/947.49
16 S/947.49
17 S/947.49
18 S/947.49
19 S/947.49
20 S/947.49
21 S/947.49
22 S/947.49
23 S/947.49
24 S/947.49
25 S/947.49
26 S/947.49
27 S/947.49
28 S/947.49
29 S/947.49
30 S/947.49
31 S/947.49
32 S/947.49
33 S/947.49
34 S/947.49
35 S/947.49
36 S/947.49
37 S/947.49
38 S/947.49
39 S/947.49
40 S/947.49
41 S/947.49
42 S/947.49
43 S/947.49
44 S/947.49
45 S/947.49
46 S/947.49
47 S/947.49
48 S/947.49
terés del 6,42%?

5,2% anual. Encontrar I y VF.

os para pagar una deuda de 9656 a una tasa de interes de 3.4% mensual

ándose así el 46.6% bruto. Si los ingresos anuales que obtuvo de esta forma fueron de UM 500,000, ¿cuánto dinero prestó? Considere un i

o S/. 635 de interés ¿Qué tasa de interés se aplicó?

amo de 16987 a una tasa de interés del 4.2% mensual y un total de cuotas de 42 meses. Calcular el interes, las cuotas fijas, la amortización

el Banco CREDILL, durante 5 meses, a la tasa del 6.5% anual?

e le aconsejen en cual de las tres alternativas planteadas es mejor:

e financiamiento de 48 meses

estado de la deuda en el 8vo. Mes y cuál de las alternativas es conveniente.

Deuda Actual
S/9,656
S/9,573
S/9,488
S/9,400
S/9,309
 3
S/9,214
S/9,117
S/9,016
S/8,911
S/8,804
S/8,692
S/8,577
S/8,458
S/8,334
S/8,207
S/8,075
S/7,939
S/7,798
S/7,652
S/7,501
S/7,345
S/7,184
S/7,018
S/6,846
S/6,667
S/6,483
S/6,293
S/6,096
S/5,892
S/5,682
S/5,464
S/5,239
S/5,006
S/4,766
S/4,517
S/4,260
S/3,994
S/3,719
S/3,434
S/3,140
S/2,836
S/2,522
S/2,196
S/1,860
S/1,513
S/1,153
S/782
S/397
S/0
 4

5
Deuda Actual
S/16,987
S/16,833
S/16,672
S/16,505
S/16,331
S/16,149
S/15,960
S/15,762
S/15,557
S/15,343

6
S/15,119
S/14,887
S/14,644
S/14,392
S/14,129
S/13,855
S/13,569
S/13,271
S/12,961
S/12,638
S/12,301
S/11,950
S/11,585
S/11,204
S/10,806
S/10,393
S/9,962
S/9,513
S/9,044
S/8,557
S/8,049
S/7,519
S/6,967
S/6,392
S/5,793
S/5,169
S/4,518
S/3,841
S/3,134
S/2,398
S/1,632
S/833
S/0

7
A B
Deuda
Interes Amortizacion Periodo Cuota Interes
Actual
S/35,980 0
S/359.80 S/587.69 S/35,392.31 1 S/1,184.77 S/341.81
S/353.92 S/593.57 S/34,798.74 2 S/1,184.77 S/333.80
S/347.99 S/599.50 S/34,199.24 3 S/1,184.77 S/325.72
S/341.99 S/605.50 S/33,593.74 4 S/1,184.77 S/317.56
S/335.94 S/611.55 S/32,982.18 5 S/1,184.77 S/309.32
S/329.82 S/617.67 S/32,364.51 6 S/1,184.77 S/301.00
S/323.65 S/623.85 S/31,740.67 7 S/1,184.77 S/292.61
S/317.41 S/630.08 S/31,110.58 8 S/1,184.77 S/284.13
S/311.11 S/636.39 S/30,474.20 9 S/1,184.77 S/275.57
S/304.74 S/642.75 S/29,831.45 10 S/1,184.77 S/266.94
S/298.31 S/649.18 S/29,182.27 11 S/1,184.77 S/258.22
S/291.82 S/655.67 S/28,526.60 12 S/1,184.77 S/249.42
S/285.27 S/662.23 S/27,864.38 13 S/1,184.77 S/240.53
S/278.64 S/668.85 S/27,195.53 14 S/1,184.77 S/231.56
S/271.96 S/675.54 S/26,519.99 15 S/1,184.77 S/222.50
S/265.20 S/682.29 S/25,837.70 16 S/1,184.77 S/213.36
S/258.38 S/689.11 S/25,148.59 17 S/1,184.77 S/204.13
S/251.49 S/696.01 S/24,452.58 18 S/1,184.77 S/194.82
S/244.53 S/702.97 S/23,749.62 19 S/1,184.77 S/185.41
S/237.50 S/710.00 S/23,039.62 20 S/1,184.77 S/175.92
S/230.40 S/717.10 S/22,322.53 21 S/1,184.77 S/166.34
S/223.23 S/724.27 S/21,598.26 22 S/1,184.77 S/156.66
S/215.98 S/731.51 S/20,866.75 23 S/1,184.77 S/146.89
S/208.67 S/738.82 S/20,127.93 24 S/1,184.77 S/137.03
S/201.28 S/746.21 S/19,381.71 25 S/1,184.77 S/127.08
S/193.82 S/753.67 S/18,628.04 26 S/1,184.77 S/117.03
S/186.28 S/761.21 S/17,866.83 27 S/1,184.77 S/106.89
S/178.67 S/768.82 S/17,098.01 28 S/1,184.77 S/96.65
S/170.98 S/776.51 S/16,321.49 29 S/1,184.77 S/86.31
S/163.21 S/784.28 S/15,537.22 30 S/1,184.77 S/75.88
S/155.37 S/792.12 S/14,745.10 31 S/1,184.77 S/65.34
S/147.45 S/800.04 S/13,945.06 32 S/1,184.77 S/54.71
S/139.45 S/808.04 S/13,137.02 33 S/1,184.77 S/43.97
S/131.37 S/816.12 S/12,320.90 34 S/1,184.77 S/33.13
S/123.21 S/824.28 S/11,496.61 35 S/1,184.77 S/22.19
S/114.97 S/832.53 S/10,664.09 36 S/1,184.77 S/11.15
S/106.64 S/840.85 S/9,823.24
S/98.23 S/849.26 S/8,973.98
S/89.74 S/857.75 S/8,116.23
S/81.16 S/866.33 S/7,249.90
S/72.50 S/874.99 S/6,374.91
S/63.75 S/883.74 S/5,491.16
S/54.91 S/892.58 S/4,598.58
S/45.99 S/901.51 S/3,697.08
S/36.97 S/910.52 S/2,786.56
S/27.87 S/919.63 S/1,866.93
S/18.67 S/928.82 S/938.11
S/9.38 S/938.11 S/0.00
nto dinero prestó? Considere un interés simple.

s, las cuotas fijas, la amortización y la deuda actual para cada uno de los meses.
6
B B
Deuda Amortizacio Deuda
Amortizacion Periodo Cuota Interes
Actual n Actual
S/35,980 0 S/35,980
S/842.96 S/35,137.04 1 S/2,049.91 S/95.95 S/1,953.96 S/34,026.04
S/850.96 S/34,286.08 2 S/2,049.91 S/90.74 S/1,959.17 S/32,066.86
S/859.05 S/33,427.03 3 S/2,049.91 S/85.51 S/1,964.40 S/30,102.47
S/867.21 S/32,559.82 4 S/2,049.91 S/80.27 S/1,969.64 S/28,132.83
S/875.45 S/31,684.37 5 S/2,049.91 S/75.02 S/1,974.89 S/26,157.94
S/883.76 S/30,800.61 6 S/2,049.91 S/69.75 S/1,980.15 S/24,177.79
S/892.16 S/29,908.45 7 S/2,049.91 S/64.47 S/1,985.44 S/22,192.35
S/900.64 S/29,007.81 8 S/2,049.91 S/59.18 S/1,990.73 S/20,201.62
S/909.19 S/28,098.62 9 S/2,049.91 S/53.87 S/1,996.04 S/18,205.58
S/917.83 S/27,180.79 10 S/2,049.91 S/48.55 S/2,001.36 S/16,204.22
S/926.55 S/26,254.24 11 S/2,049.91 S/43.21 S/2,006.70 S/14,197.52
S/935.35 S/25,318.89 12 S/2,049.91 S/37.86 S/2,012.05 S/12,185.47
S/944.24 S/24,374.65 13 S/2,049.91 S/32.49 S/2,017.41 S/10,168.06
S/953.21 S/23,421.45 14 S/2,049.91 S/27.11 S/2,022.79 S/8,145.26
S/962.26 S/22,459.18 15 S/2,049.91 S/21.72 S/2,028.19 S/6,117.08
S/971.40 S/21,487.78 16 S/2,049.91 S/16.31 S/2,033.60 S/4,083.48
S/980.63 S/20,507.15 17 S/2,049.91 S/10.89 S/2,039.02 S/2,044.46
 S/989.95 S/19,517.20 18 S/2,049.91 S/5.45 S/2,044.46 S/0.00
S/999.35 S/18,517.85
S/1,008.85 S/17,509.00
S/1,018.43 S/16,490.57
S/1,028.11 S/15,462.46
S/1,037.87 S/14,424.59
S/1,047.73 S/13,376.86
S/1,057.69 S/12,319.17
S/1,067.73 S/11,251.44
S/1,077.88 S/10,173.56
S/1,088.12 S/9,085.44
S/1,098.45 S/7,986.99
S/1,108.89 S/6,878.10
S/1,119.42 S/5,758.67
S/1,130.06 S/4,628.62
S/1,140.79 S/3,487.82
S/1,151.63 S/2,336.19
S/1,162.57 S/1,173.62
S/1,173.62 S/0.00
ejercicios realizados en clase del jueves 07 de abril desarrollados en la pizarra

vf= ? VF= S/. 9,428.53

va= 5350
n= 5
i= 12%

A= 235 VA= S/. 1,267.52

va= ?
n= 8
i= 9.7%

VF= 215000 i= 3.55%

va= 180560
n= 5
i= ?

VF= 13950
va= 4650 n= 9.69
n= ? n= 9
i= 12.0% DEMORARA 9 AÑOS CON 8 MESES Y 8 DIAS

VF= 8000
va= 3000 i= 21.7%
n= 5
i= ?