Fecha Periodo Saldo Inicial: Amortizacion A Plazo Fijo

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AMORTIZACION A PLAZO FIJO

DATOS

CAPITAL Ci 25000
TIEMPO n 2 años
TASA DE INTE i 18% anual
CUOTA Ci 1,248.10 bimestral

FECHA PERIODO SALDO INICIAL


2/12/2022 0
3/14/2022 1 25,000.00
4/13/2022 2 24,126.90
5/13/2022 3 23,240.70
6/12/2022 4 22,341.21
7/12/2022 5 21,428.22
8/11/2022 6 20,501.54
9/10/2022 7 19,560.96
10/10/2022 8 18,606.28
11/9/2022 9 17,637.27
12/9/2022 10 16,653.72
1/8/2023 11 15,655.43
2/7/2023 12 14,642.16
3/9/2023 13 13,613.69
4/8/2023 14 12,569.79
5/8/2023 15 11,510.23
6/7/2023 16 10,434.78
7/7/2023 17 9,343.20
8/6/2023 18 8,235.25
9/5/2023 19 7,110.67
10/5/2023 20 5,969.23
11/4/2023 21 4,810.67
12/4/2023 22 3,634.72
1/3/2024 23 2,441.14
2/2/2024 24 1,229.66

AMORTIZACION A PLAZO VARIABLE

DATOS
CAPITAL Ci 25000
TIEMPO n 2 años
TASA DE INTE i 18% anual
CUOTA Ci 1,248.10 bimestral

FECHA PERIODO SALDO INICIAL


2/12/2022 0
3/14/2022 1 25,000.00
4/13/2022 2 25,205.71
5/13/2022 3 25,314.50
6/12/2022 4 25,324.93
7/12/2022 5 25,235.51
8/11/2022 6 25,044.75
9/10/2022 7 24,751.13
10/10/2022 8 24,353.10
11/9/2022 9 23,849.11
12/9/2022 10 23,237.55
1/8/2023 11 22,516.82
2/7/2023 12 21,685.28
3/9/2023 13 20,741.27
4/8/2023 14 19,683.10
5/8/2023 15 18,509.05
6/7/2023 16 17,217.39
7/7/2023 17 15,806.36
8/6/2023 18 14,274.17
9/5/2023 19 12,618.99
10/5/2023 20 10,838.98
11/4/2023 21 8,932.27
12/4/2023 22 6,896.96
1/3/2024 23 4,731.13
2/2/2024 24 2,432.80

PRACTICA EN CLASE

DATOS

CAPITAL Ci 60000
TIEMPO n 1.5 años
TASA DE INTE i 20% anual
CUOTA Ci 7,826.28 bimestral
FECHA PERIODO SALDO INICIAL
2/12/2022 0
4/13/2022 1 60,000.00
6/12/2022 2 54,370.44
8/11/2022 3 48,153.22
10/10/2022 4 41,932.05
12/9/2022 5 35,503.50
2/7/2023 6 28,860.66
4/8/2023 7 21,996.40
6/7/2023 8 14,903.33
8/6/2023 9 7,573.82

DATOS

CAPITAL Ci 45000
TIEMPO n 2 años
TASA DE INTE i 12% anual
CUOTA Ci 6,410.54 bimestral

FECHA PERIODO SALDO INICIAL


3/10/2022 0
6/8/2022 1 45,000.00
9/6/2022 2 40,136.51
12/5/2022 3 34,727.11
3/5/2023 4 29,358.38
6/3/2023 5 23,828.60
9/1/2023 6 18,132.92
11/30/2023 7 12,266.37
2/28/2024 8 6,223.82

DATOS

CAPITAL Ci 55000
TIEMPO n 1.5 años
TASA DE INTE i 14% anual
CUOTA Ci 6,845.98 bimestral

FECHA PERIODO SALDO INICIAL


3/10/2022 0
5/9/2022 1 55,000.00
7/8/2022 2 53,792.91
9/6/2022 3 52,557.65
11/5/2022 4 51,293.57
1/4/2023 5 50,000.00
3/5/2023 6 41,237.46
5/4/2023 7 31,870.46
7/3/2023 8 21,884.89
9/1/2023 9 11,266.33

DATOS

CAPITAL Ci 50000
TIEMPO n 1.5 años
TASA DE INTE i 11.5% anual
CUOTA Ci 6,101.43 bimestral

FECHA PERIODO SALDO INICIAL


3/10/2022 0
5/9/2022 1 50,000.00
7/8/2022 2 44,856.90
9/6/2022 3 39,615.22
11/5/2022 4 34,273.08
1/4/2023 5 28,828.55
3/5/2023 6 23,279.66
5/4/2023 7 17,624.42
7/3/2023 8 11,860.79
9/1/2023 9 5,986.69

HAY 3 EMPRESAS QUE TIENEN DIFERENTE PRESTAMO A DIFERENTE TASA DE INTERES ,SIM EMBARG
MIENTRAS EL INCISO A NO SE LE MIRA PORQUE TIENE CAPITAL
HAY 3 EMPRESAS QUE TIENEN DIFERENTE PRESTAMO A DIFERENTE TASA DE INTERES ,SIM EMBARG
MIENTRAS EL INCISO A NO SE LE MIRA PORQUE TIENE CAPITAL

GASTOS ADMINISTRATIVOS QUE E GENERAN DENDRO DE LA EMPRESA A ESO DENOMINA


ZO FIJO

24 Bimestres
0.015 Bimestres

1,248.10

INTERES AMORTIZACION CUOTA SALDO FINAL


25000
375.00 873.10 1,248.10 24,126.90
361.90 886.20 1,248.10 23,240.70
348.61 899.49 1,248.10 22,341.21
335.12 912.98 1,248.10 21,428.22
321.42 926.68 1,248.10 20,501.54
307.52 940.58 1,248.10 19,560.96
293.41 954.69 1,248.10 18,606.28
279.09 969.01 1,248.10 17,637.27
264.56 983.54 1,248.10 16,653.72
249.81 998.30 1,248.10 15,655.43
234.83 1,013.27 1,248.10 14,642.16
219.63 1,028.47 1,248.10 13,613.69
204.21 1,043.90 1,248.10 12,569.79
188.55 1,059.56 1,248.10 11,510.23
172.65 1,075.45 1,248.10 10,434.78
156.52 1,091.58 1,248.10 9,343.20
140.15 1,107.95 1,248.10 8,235.25
123.53 1,124.57 1,248.10 7,110.67
106.66 1,141.44 1,248.10 5,969.23
89.54 1,158.56 1,248.10 4,810.67
72.16 1,175.94 1,248.10 3,634.72
54.52 1,193.58 1,248.10 2,441.14
36.62 1,211.49 1,248.10 1,229.66
18.44 1,229.66 1,248.10 0.00

VARIABLE
24 Bimestres
0.015 Bimestres

1,248.10

INTERES AMORTIZACION CUOTA SALDO FINAL


25000
375.00 -205.71 169.29 25,205.71
378.09 -108.79 269.29 25,314.50
379.72 -10.43 369.29 25,324.93
379.87 89.42 469.29 25,235.51
378.53 190.76 569.29 25,044.75
375.67 293.62 669.29 24,751.13
371.27 398.03 769.29 24,353.10
365.30 504.00 869.29 23,849.11
357.74 611.56 969.29 23,237.55
348.56 720.73 1,069.29 22,516.82
337.75 831.54 1,169.29 21,685.28
325.28 944.01 1,269.29 20,741.27
311.12 1,058.17 1,369.29 19,683.10
295.25 1,174.05 1,469.29 18,509.05
277.64 1,291.66 1,569.29 17,217.39
258.26 1,411.03 1,669.29 15,806.36
237.10 1,532.20 1,769.29 14,274.17
214.11 1,655.18 1,869.29 12,618.99
189.28 1,780.01 1,969.29 10,838.98
162.58 1,906.71 2,069.29 8,932.27
133.98 2,035.31 2,169.29 6,896.96
103.45 2,165.84 2,269.29 4,731.13
70.97 2,298.33 2,369.29 2,432.80
36.49 2,432.80 2,469.29 0.00

9 Bimestres
3.33% Bimestres

7,826.28
INTERES AMORTIZACION CUOTA SALDO FINAL
60,000.00
2,000.00 5,629.56 7,629.56 54,370.44
1,812.35 6,217.21 8,029.56 48,153.22
1,605.11 6,221.18 7,826.28 41,932.05
1,397.73 6,428.55 7,826.28 35,503.50
1,183.45 6,642.83 7,826.28 28,860.66
962.02 6,864.26 7,826.28 21,996.40
733.21 7,093.07 7,826.28 14,903.33
496.78 7,329.51 7,826.28 7,573.82
252.46 7,573.82 7,826.28 0.00

8 TRIM.
3.00% Bimestres

6,410.54

INTERES AMORTIZACION CUOTA SALDO FINAL


45,000.00
1,350.00 4,863.49 6,213.49 40,136.51
1,204.10 5,409.40 6,613.49 34,727.11
1,041.81 5,368.72 6,410.54 29,358.38
880.75 5,529.79 6,410.54 23,828.60
714.86 5,695.68 6,410.54 18,132.92
543.99 5,866.55 6,410.54 12,266.37
367.99 6,042.55 6,410.54 6,223.82
186.71 6,223.82 6,410.54 0.00
6,290.21

9 Bimestres
2.33% interes Bimestral
6,845.98

INTERES AMORTIZACION CUOTA SALDO FINAL


55,000.00
1,283.33 1,207.09 2,490.42 53,792.91
1,255.17 1,235.26 2,490.42 52,557.65
1,226.35 1,264.08 2,490.42 51,293.57
1,196.85 1,293.57 2,490.42 50,000.00
1,166.67 8,762.54 9,929.21 41,237.46
962.21 9,367.00 10,329.21 31,870.46
743.64 9,985.57 10,729.21 21,884.89
510.65 10,618.56 11,129.21 11,266.33
262.88 11,266.33 11,529.21 0.00
8,607.74

9 Bimestres
1.92% interes Bimestral

6,101.43

INTERES AMORTIZACION CUOTA SALDO FINAL


50,000.00
958.33 5,143.10 6,101.43 44,856.90
859.76 5,241.68 6,101.43 39,615.22
759.29 5,342.14 6,101.43 34,273.08
656.90 5,444.53 6,101.43 28,828.55
552.55 5,548.89 6,101.43 23,279.66
446.19 5,655.24 6,101.43 17,624.42
337.80 5,763.63 6,101.43 11,860.79
227.33 5,874.10 6,101.43 5,986.69
114.74 5,986.69 6,101.43 0.00
4,912.90

NTE TASA DE INTERES ,SIM EMBARGO EM BANCO PRODEM ME DA UN CAPITAL ALTO ,


SE LE MIRA PORQUE TIENE CAPITAL MAS BAJO ,
NTE TASA DE INTERES ,SIM EMBARGO EM BANCO PRODEM ME DA UN CAPITAL ALTO ,
SE LE MIRA PORQUE TIENE CAPITAL MAS BAJO ,

O DE LA EMPRESA A ESO DENOMINAMOS PUNTO FIJO


EJERCICIO 1

PRECIO DE VENTA : 80
PRECIO DE COSTO : 40
COSTO FIJO : 4000
PUNTO DE EQUILIBRIO 100

PRECIO DE VENTA : 86
PRECIO DE COSTO : 36
COSTO FIJO : 4600
PUNTO DE EQUILIBRIO 92

EJERCICIO 2

MD 85
MOD 20
GF 15
CV 120
PV 150

ALQ. 2000
SYS 1500
ENERGIA 500
CF 4000

CV 120
CF 4000
PV 150
Q 133.33333333333
IQ 20000

EJERCICIO 3

Ci 280000
N 8 AÑOS
i 8% ANUAL

fecha PERIDO SALDO INICIAL


0
1 280000.00
2 268518.37
3 256606.17
4 244247.27
5 231424.91
6 218121.71
7 204319.65
8 190000.00
9 175290.33
10 159579.05
11 142828.60
12 125000.00
13 100842.81
14 76279.72
15 51295.51
16 25874.40

Ci 350000
N 10 AÑOS
i 7% ANUAL

fecha PERIDO SALDO INICIAL


0
1 350000.00
2 336005.74
3 320556.66
4 303605.49
5 285103.40
6 265000.00
7 248280.60
8 231017.83
9 213194.01
10 194790.92
11 175789.73
12 156171.01
13 135914.67
14 115000.00
15 97663.62
16 80613.80
17 63859.86
18 47411.42
19 31278.41
20 15471.07
CANTIDAD TOTAL VENTA COSTO TOTAL COSTO FIJO
20 1600 800 4000
60 4800 2400 4000
100 8000 4000 4000
140 11200 5600 4000
180 14400 7200 4000

CANTIDAD TOTAL VENTA COSTO TOTAL COSTO FIJO


32 2752 1152 4600
52 4472 1872 4600
72 6192 2592 4600
92 7912 3312 4600
112 9632 4032 4600
132 11352 4752 4600
152 13072 5472 4600

CANTIDAD TOTAL VENTA COSTO TOTAL COSTO FIJO


13.33 2,000.00 1,600.00 4,000.00
53.33 8,000.00 6,400.00 4,000.00
93.33 14,000.00 11,200.00 4,000.00
133.33 20,000.00 16,000.00 4,000.00
173.33 26,000.00 20,800.00 4,000.00
213.33 32,000.00 25,600.00 4,000.00
253.33 38,000.00 30,400.00 4,000.00

16
3.75%

INTERES AMORTIZACION CUOTA SALDO FINAL


280000.00
10500.00 11481.63 21981.63 268518.37
10069.44 11912.19 21981.63 256606.17
9622.73 12358.90 21981.63 244247.27
9159.27 12822.36 21981.63 231424.91
8678.43 13303.20 21981.63 218121.71
8179.56 13802.07 21981.63 204319.65
7661.99 14319.65 21981.63 190000.00
7125.00 14709.67 21834.67 175290.33
6573.39 15711.28 22284.67 159579.05
5984.21 16750.45 22734.67 142828.60
5356.07 17828.60 23184.67 125000.00
4687.50 24157.19 28844.69 100842.81
3781.61 24563.09 28344.69 76279.72
2860.49 24984.20 27844.69 51295.51
1923.58 25421.11 27344.69 25874.40
970.29 25874.40 26844.69 0.00
103133.57

20
3.25%

INTERES AMORTIZACION CUOTA SALDO FINAL


350000.00
11375.00 13994.26 25369.26 336005.74
10920.19 15449.08 26369.26 320556.66
10418.09 16951.17 27369.26 303605.49
9867.18 18502.09 28369.26 285103.40
9265.86 20103.40 29369.26 265000.00
8612.50 16719.40 25331.90 248280.60
8069.12 17262.78 25331.90 231017.83
7508.08 17823.82 25331.90 213194.01
6928.81 18403.09 25331.90 194790.92
6330.71 19001.19 25331.90 175789.73
5713.17 19618.73 25331.90 156171.01
5075.56 20256.34 25331.90 135914.67
4417.23 20914.67 25331.90 115000.00
3737.50 17336.38 21073.88 97663.62
3174.07 17049.82 20223.88 80613.80
2619.95 16753.94 19373.88 63859.86
2075.45 16448.44 18523.88 47411.42
1540.87 16133.01 17673.88 31278.41
1016.55 15807.34 16823.88 15471.07
502.81 15471.07 15973.88 0.00
119168.67
PUNTO DE EQUILIBRIO
16000
14000
12000
COSTO TOTA + C.F UTILIDAD 10000
4800 -3200 8000
6400 -1600
6000
8000 0
4000
9600 1600
2000
11200 3200
0
20 60 100 140

TOTAL VENTA COSTO TOTA + C.F COST

PUNTO DE EQUILIBRIO
14000
COSTO TOTA + C.F UTILIDAD 12000
5752 -3000
10000
6472 -2000
8000
7192 -1000
7912 0 6000
8632 1000 4000
9352 2000
2000
10072 3000
0
32 52 72 92 112

TOTAL VENTA COSTO TOTA + C.F CO

COSTO TOTA + C.F UTILIDAD PUNTO DE EQUILIBRIO


5,600.00 -3,600.00
40,000.00
10,400.00 -2,400.00
35,000.00
15,200.00 -1,200.00
30,000.00
25,000.00
20,000.00
15,000.00
PUNTO DE EQUILIBRIO
40,000.00
35,000.00

20,000.00 0.00 30,000.00

24,800.00 1,200.00 25,000.00

29,600.00 2,400.00 20,000.00


34,400.00 3,600.00 15,000.00
10,000.00
5,000.00
0.00
13.33 53.33 93.33 133.33 173.

TOTAL VENTA COSTO TOTA + C.F


PUNTO DE EQUILIBRIO

60 100 140 180

ENTA COSTO TOTA + C.F COSTO FIJO

PUNTO DE EQUILIBRIO

2 72 92 112 132 152

VENTA COSTO TOTA + C.F COSTO FIJO

PUNTO DE EQUILIBRIO
PUNTO DE EQUILIBRIO

53.33 93.33 133.33 173.33 213.33 253.33

TOTAL VENTA COSTO TOTA + C.F COSTO FIJO


PROYECCUION DE LOS INGRESOS Y EGRESOS QUE S VAN A DAR EN LOS DIFERENTES PERIODOS

FLUJO DE CAJA

SALDO INICIAL 25,000.00 27,780.00

ENERO FEBRERO
INGRESOS 15,900.00 18,210.00
VENTADE MERCADERIA 15,400.00 17,710.00
CTAS X COBRAR 500.00 500.00
OTROS INGRESOS
APORTE DE CAPITAL
EGRESOS 13,120.00 11,500.00
COMPRA DE MERCADERIA 10,000.00 11,500.00
CTAS X PAGAR
COSTOS FIJOS 2,150.00 0.00
ENERGIA ELECTRICA 450.00
ALQUILERES 500.00
INTERNET 200.00
SUELDOS Y SALARIOS 1,000.00
COSTOS OPERATIVOS 370.00 0.00
SERVICIO DE TRNASPORTE
PUBLICIDAD 150.00
COMBUSTIBLE 100.00
COURRIER 120.00
COSTOS FINACIEROS 600.00 0.00
PRESTAMO BANCARIO 500.00
PAGO DE INTEREES BANCARIO 100.00
PAGO DE IMPUESTOS
OTROS IMPUESTOS
SALDO FINAL 27,780.00 34,490.00
S DIFERENTES PERIODOS

34,490.00 42,131.50 50,844.23 60,788.86 72,150.19 85,140.72 100,004.82

MARZO ABRIL MAYO JUNIO JULIO AGOSTO SEPTIEMBRE


20,866.50 23,921.48 27,434.70 31,474.90 36,121.14 41,464.31 47,608.95
20,366.50 23,421.48 26,934.70 30,974.90 35,621.14 40,964.31 47,108.95
500.00 500.00 500.00 500.00 500.00 500.00 500.00

13,225.00 15,208.75 17,490.06 20,113.57 23,130.61 26,600.20 30,590.23


13,225.00 15,208.75 17,490.06 20,113.57 23,130.61 26,600.20 30,590.23

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

42,131.50 50,844.23 60,788.86 72,150.19 85,140.72 100,004.82 117,023.55


117,023.55

OCTUBRE
54,675.29
54,175.29
500.00

35,178.76
35,178.76

0.00

0.00

0.00

136,520.08
PRODUCTO APRODUCTO B PRODUCTO C PRODUCTO D
PRECIO V. 25.00 12.00 50.00 100.00
CANTIDAD CREDITO 15.00
CANTIDAD CONTADO 25.00
TOTAL CREDITO 375.00 0.00 0.00 0.00
TOTAL AL. CONTADO 625.00 0.00 0.00 0.00

PRODUCTO A
PRECIO V. CANT. CANT. TOTAL TOTAL
CREDITO CONTADO CREDITO CONTADO
1 25 15 25 375 625
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
375 625

HAGGIES PANAL M
G

PRODUCTO A PRODUCTO B
PRECIO V. PRECIO V.
CANT. CREDITO CANT. TOTAL TOTAL CANT.
CONTADO CREDITO CONTADO CREDITO
ODUCTO D

375.00
625.00
1,000.00

PRODUCTO B PRODUCTO C
PRECIO V. CANT. CANT. TOTAL TOTAL PRECIO V. CANT.
CREDITO CONTADO CREDITO CONTADO CREDITO
12 0 0 50
0 0

PRODUCTO B PRODUCTO C
ECIO V. PRECIO V.
CANT. TOTAL TOTAL CANT. CANT. TOTAL TOTAL
CONTADO CREDITO CONTADO CREDITO CONTADO CREDITO CONTADO
PRODUCTO C
CANT. TOTAL TOTAL
CONTADO CREDITO CONTADO
0 0
0 0 1,000.00

PRODUCTO C
PRECIO V.
CANT. CANT. TOTAL TOTAL
CREDITO CONTADO CREDITO CONTADO
DATOS
NUMEROS DE PERIODOS
TIPOS DE PERIODO
TASA DE DESCUENTO

PERIODO
DETALLE
0 1 2
FLUJO NETO EFECTIVO -800,000.00 82,844.00 200,334.50

NRO FNE (1+I)^

0 -800,000.00
1 82,844.00 1.10
2 200,334.50 1.21
3 261,444.50 1.33
4 326,267.60 1.46
5 391,943.60 1.61
6 387,119.90 1.77
7 316,586.70 1.95
8 375,554.00 2.14
VAN
VAN
VALORES
8
ANUAL
10%

PERIODO
3 4 5 6 7 8
261,444.50 326,267.60 391,943.60 387,119.90 316,586.70 375,554.00

TASA INTERNA DE RETORNO


FNE/(1+I)^ TASA DE VAN
Chart Title
DESCUENTO 2000000
-800,000.00 0 1,542,094.80
5% 1,030,029.98 1500000
75,312.73
165,565.70 10% 659,693.69 1000000
196,427.12 15% 385,982.28
222,845.16 20% 179,654.71 500000

25% 21,301.86 0.25; VAN


243,366.14 0
218,519.09 30% -102,240.62 0 0.05 0.1 0.15 0.2 0.25 0.3 0.35

162,459.04 35% -200,080.55 -500000

175,198.71 40% -278,635.65


-1000000
659,693.69 45% -342,505.29
50% -395,037.73 TASA DE DESCUENTO
659,693.69
55% -438,706.22
60% -475,362.51

TIR 25.78%
Chart Title

0.25; VAN
0.15 0.2 0.25 0.3 0.35 0.4 0.45 0.5 0.55 0.6

TASA DE DESCUENTO VAN


0 PERIODO 1 PERIODO 2
-90 40 80

TIR = 1.1908664319 19.09%

TASA DE DES. VAN 4000%

0% 30.00
11.09% 10.84 3000%
13.09% 7.93
15.09% 5.16
17.09% 2.52 2000%

TIR 19.09% 0.00


21.09% -2.40 1000%
23.09% -4.70
25.09% -6.89
0%
27.09% -8.99 0% 11%
29.09% -11.00
31.09% -12.93 -1000%
33.09% -14.78

-2000%

1 2

0 PERIODO 1 PERIODO 2 0
-200 80 150 -380

TIR = 1.08881944 8.88% TIR =

TASA DE DES. VAN TASA DE DES.


0% 30.00
0.88% 26.69
2.88% 19.47
4.88% 12.64
6.88% 6.15
TIR 8.88% 0.00 TIR
10.88% -5.85
12.88% -11.41
14.88% -16.71
16.88% -21.76
18.88% -26.57
20.88% -31.17
22.88% -35.56

Chart Title C
4000% 4000%

3000% 2000%

2000% 0%
0% 1% 3% 5% 7%
1000% -2000%
0%
0% 1% 3% 5% 7% 9% 11% 13% 15% 17% 19% 21% 23% -4000%
-1000%
-6000%
-2000%
-8000%
-3000%

-4000% -10000%

TASA VAN
Chart Title
TASA DE D VAN

4000%

3000%

2000%

1000%

0%
0% 11% 13% 15% 17% 19% 21% 23% 25% 27% 29% 31%

-1000%

-2000%

PERIODO 1 PERIODO 2 0 PERIODO 1 PERIODO 2


150 250 -600 260 450

1.03214326 3.21% TIR = 1.10938412 10.94%

TASA DE DES. VAN TASA DE DES. VAN


0% 20.00 0% 110.00
1.21% 12.24 2.94% 77.25
3.21% 0.00 4.94% 56.41
5.21% -11.60 6.94% 36.63
7.21% -22.61 8.94% 17.85
9.21% -33.06 TIR 10.94% 0.00
11.21% -43.00 21.09% -78.38
13.21% -52.46 23.09% -91.77
15.21% -61.47 25.09% -104.56
17.21% -70.07 27.09% -116.82
19.21% -78.27 29.09% -128.55
21.21% -86.10 31.09% -139.80
23.21% -93.59 33.09% -150.59

Chart Title Chart Title


4000% 15000%
2000% 10000%
0% 5000%
0% 1% 3% 5% 7% 9% 11% 13% 15% 17% 19% 21% 23%
-2000% 0%
0% 3% 5% 7% 9% 11% 21% 23% 2
-4000% -5000%
-6000% -10000%
-8000% -15000%
-10000% -20000%

TASA VAN TASA VAN


% 27% 29% 31% 33%

4 5

0 PERIODO 1 PERIODO 2 0 PERIODO 1 PERIODO 2


-1400 650 800 -24000 15000 16000

TIR = 1.02291392 2.29% TIR = 1.18675564 18.68%

TASA DE DES. VAN TASA DE DES. VAN


0% 50.00 0% 7,000.00
1.29% 21.44 10.68% 2,615.33
2.29% 0.00 12.68% 1,915.17
15.09% -231.26 14.68% 1,247.23
17.09% -261.36 16.68% 609.47
TIR 19.09% -290.12 TIR 18.68% 0.00
21.09% -317.61 21.09% -700.54
23.09% -343.92 23.09% -1,253.54
25.09% -369.11 25.09% -1,783.36
27.09% -393.25 27.09% -2,291.37
29.09% -416.41 29.09% -2,778.80
31.09% -438.62 31.09% -3,246.81
33.09% -459.96 33.09% -3,696.49

Chart Title Chart Title


10000%

0%
0% 1% 2% 15% 17% 19% 21% 23% 25% 27% 29%
-10000%

% 5% 7% 9% 11% 21% 23% 25% 27% 29% 31% 33% -20000%

-30000%

-40000%

-50000%

TASA VAN TASA VAN


6

0 PERIODO 1 PERIODO 2
-35650 25600 14250

TIR = 1.08611831 8.61%

TASA DE DES. VAN


0% 4,200.00
2.61% 2,832.20
4.61% 1,842.69
6.61% 899.65
8.61% 0.00
TIR 10.61% -859.07
12.61% -1,680.13
14.61% -2,465.58
16.61% -3,217.59
18.61% -3,938.17
20.61% -4,629.19
22.61% -5,292.37
24.61% -5,929.30

Chart Title Chart Title


800000%

600000%
17% 19% 21% 23% 25% 27% 29% 31% 33%
400000%

200000%

0%
0% 11% 13% 15% 17% 19% 21% 23% 25% 27% 29% 31% 33%
-200000%

-400000%

-600000%

TASA VAN TASA VAN


Chart Title
600000%

400000%

200000%

0%
0% 3% 5% 7% 9% 11% 13% 15% 17% 19% 21% 23% 25%
-200000%
5% 27% 29% 31% 33%
-400000%

-600000%

-800000%

TASA VAN
METODO FRANCES

DATOS

CAPITAL Ci 5000
TIEMPO n 1.5
TASA DE INTERES i 9%
CUOTA Ci 817.12
15%

FECHA PERIODO
0
1
2
3
4
5
6
7
8
9
10
11
12

METODO ALEMAN
DATOS

CAPITAL Ci 50000
TIEMPO n 1
TASA DE INTERES i 18%
CUOTA Ci 4,584.00
15%

FECHA PERIODO
0
1
2
3
4
5
6
7
8
9
10
11
12

METODO AMERICANO
DATOS

CAPITAL Ci 50000
TIEMPO n 1
TASA DE INTERES i 18%
CUOTA Ci 4,584.00
15%

FECHA PERIODO
0
1
2
3
4
5
6
7
8
9
10
11
12

PRESTAMO CUOTA
4,584.00
10000
15000
25000
45000
50000
85000
150000
170000
250000
350000
450000
500000

METODO FRANCES

DATOS

CAPITAL Ci 50000
TIEMPO n 1
TASA DE INTERES i 1.39%
CUOTA Ci 4,552.32
15%

FECHA PERIODO
0
1
2
3
4
5
6
7
8
9
10
11
12
DATOS

CAPITAL Ci 145000
TIEMPO n 3
TASA DE INTERES i 21%
CUOTA Ci 5,462.88
15%

A) INTERES
CUOTAS TRIM. 49999.57

B)
CUOTAS BIM. 48446.75

C)
CUOTAS MEN. 46910.33

DATOS

CAPITAL Ci 145000
TIEMPO n 2.5
TASA DE INTERES i 18%
CUOTA Ci 0.00
15%
A) INTERES
CUOTASCRE. SEM.. 45871.16

B)
CUOTAS FIJ. BIM.. 34527.32

C)
CUOTAS DEC. TRIM. 33691.69

DATOS
A
CAPITAL Ci 34500
TIEMPO n 1.5
TASA DE INTERES i 15%%
CUOTA Ci

A)
CUOTAS CRE. MEN...
49846.97
9
años
anual
bimestral 817.12

SALDO INICIAL INTERES AMORTIZACION

5,000.00 0.00 1,942.51


3,057.49 0.00 2,233.89
823.60 0.00 2,568.97
-1,745.37 0.00 2,954.32
-4,699.69 0.00 3,397.47
-8,097.16 0.00 3,907.09
-12,004.24 0.00 4,493.15
-16,497.39 0.00 5,167.12
-21,664.51 0.00 5,942.19
-27,606.70 0.00 6,833.52
-34,440.22 0.00 7,858.54
-42,298.76 0.00 9,037.33

12
años 0.015
anual
bimestral 4,584.00

SALDO INICIAL INTERES AMORTIZACION


50,000.00 750.00 4,166.67
45,833.33 687.50 4,166.67
41,666.67 625.00 4,166.67
37,500.00 562.50 4,166.67
33,333.33 500.00 4,166.67
29,166.67 437.50 4,166.67
25,000.00 375.00 4,166.67
20,833.33 312.50 4,166.67
16,666.67 250.00 4,166.67
12,500.00 187.50 4,166.67
8,333.33 125.00 4,166.67
4,166.67 62.50 4,166.67

12
años 0.015
anual
bimestral 4,584.00

SALDO INICIAL INTERES AMORTIZACION

50,000.00 0.00 0.00


50,000.00 0.00 0.00
50,000.00 0.00 0.00
50,000.00 0.00 0.00
50,000.00 0.00 0.00
50,000.00 0.00 0.00
50,000.00 0.00 0.00
50,000.00 0.00 0.00
50,000.00 0.00 0.00
50,000.00 0.00 0.00
50,000.00 0.00 0.00
50,000.00 0.00 50,000.00
12
años 0.0012
anual
bimestral 4,552.32

SALDO INICIAL INTERES AMORTIZACION

50,000.00 0.00 1,942.51


48,057.49 0.00 2,233.89
45,823.60 0.00 2,568.97
43,254.63 0.00 2,954.32
40,300.31 0.00 3,397.47
36,902.84 0.00 3,907.09
32,995.76 0.00 4,493.15
28,502.61 0.00 5,167.12
23,335.49 0.00 5,942.19
17,393.30 0.00 6,833.52
10,559.78 0.00 7,858.54
2,701.24 0.00 9,037.33
36
años 0.0175
anual
bimestral 5,462.88

años
anual
bimestral
B C
300000 330000
2 1.50%
12.50% 13%

B) C)
CUOTAS FIJ. BIM... CUOTAS DECRE. TRIM ..
40047.65 35835.01
MESE
MESE

CUOTA SALDO FINAL


5000
1,942.51 3,057.49
2,233.89 823.60
2,568.97 -1,745.37
2,954.32 -4,699.69
3,397.47 -8,097.16
3,907.09 -12,004.24
4,493.15 -16,497.39
5,167.12 -21,664.51
5,942.19 -27,606.70
6,833.52 -34,440.22
7,858.54 -42,298.76
9,037.33 -51,336.09

MESE
MESE

CUOTA SALDO FINAL


50,000.00
4,916.67 45,833.33
4,854.17 41,666.67
4,791.67 37,500.00
4,729.17 33,333.33
4,666.67 29,166.67
4,604.17 25,000.00
4,541.67 20,833.33
4,479.17 16,666.67
4,416.67 12,500.00
4,354.17 8,333.33
4,291.67 4,166.67
4,229.17 0.00

MESE
MESE

CUOTA SALDO FINAL


50000
0.00 50,000.00
0.00 50,000.00
0.00 50,000.00
0.00 50,000.00
0.00 50,000.00
0.00 50,000.00
0.00 50,000.00
0.00 50,000.00
0.00 50,000.00
0.00 50,000.00
0.00 50,000.00
50,000.00 0.00
MESE
MESE

CUOTA SALDO FINAL


50000
1,942.51 48,057.49
2,233.89 45,823.60
2,568.97 43,254.63
2,954.32 40,300.31
3,397.47 36,902.84
3,907.09 32,995.76
4,493.15 28,502.61
5,167.12 23,335.49
5,942.19 17,393.30
6,833.52 10,559.78
7,858.54 2,701.24
9,037.33 -6,336.09
MESE
MESE
METODO FRANCES SIEMPRE LAS CUOTAS SON FIJAS

METODO AMERICANO O METODO INGLES NO PAGA


CAPITAL SOLO INTERESES LOS INTERESES
METODO ALEMAN EL CAPITAL SE DIVIDE ENTRE EL
NUMERO DE PERIODO Y EL PAGO ES CONSTANTE
EJERCICIO 1

PRECIO DE VENTA : 60 CANTIDAD


PRECIO DE COSTO : 20 5
COSTO FIJO : 400 10
PUNTO DE EQUILIBRIO 10 15

PRACTICA 3

EJERCICIO 1

PRECIO DE VENTA : 25 CANTIDAD


PRECIO DE COSTO : 15 100
COSTO FIJO : 2500 250
PUNTO DE EQUILIBRIO 250 350

EJERCICIO 2

PRECIO DE VENTA : 25 CANTIDAD


PRECIO DE COSTO : 18 300
COSTO FIJO : 3500 400
PUNTO DE EQUILIBRIO 500 500
600
700

EJERCICIO 2
A

Ci
N
i

fecha

Ci
N
i

fecha
TOTAL VENTA COSTO TOTAL COSTO FIJO COSTO TOTA + C.F
300 100 400 500
600 200 400 600
900 300 400 700

PRACTICA 3

TOTAL VENTA COSTO TOTAL COSTO FIJO COSTO TOTA + C.F


2500 1500 2500 4000
6250 3750 2500 6250
8750 5250 2500 7750

TOTAL VENTA COSTO TOTAL COSTO FIJO COSTO TOTA + C.F


7500 5400 3500 8900
10000 7200 3500 10700
12500 9000 3500 12500
15000 10800 3500 14300
17500 12600 3500 16100
145000
2 AÑOS 8
17% ANUAL 4.3%

PERIDO SALDO INICIAL INTERES AMORTIZACION


0
1 145000.00 6162.50 18534.46
2 126465.54 5374.79 19322.17
3 107143.37 4553.59 20143.37
4 87000.00 3697.50 17951.10
5 69048.90 2934.58 19314.03
6 49734.87 2113.73 20734.87
7 29000.00 1232.50 14443.08
8 14556.92 618.67 14556.92

142000
1.5 AÑOS 6
1.2% MENSUAL 3.6%

PERIDO SALDO INICIAL INTERES AMORTIZACION


0
1 142000.00 5112.00 15203.18
2 126796.82 4564.69 16550.50
3 110246.32 3968.87 17946.32
4 92300.00 3322.80 30173.39
5 62126.61 2236.56 30759.63
6 31366.98 1129.21 31366.98
Chart Title
1000
900
800
UTILIDAD 700
-200 600
0 500
200 400
300
200
100
0
5 10

TOTAL VENTA COSTO TOTA + C.F

Chart Title
10000
9000
UTILIDAD 8000
-1500 7000
0 6000
5000
1000
4000
3000
2000
1000
0
100 250

TOTAL VENTA COSTO TOTA + C.F C

UTILIDAD
-1400
-700 Chart Title
0 20000
700 18000

1400 16000
14000
12000
10000
8000
6000
4000
2000
0
300 400 500 600

TOTAL VENTA COSTO TOTA + C.F


8000
6000
4000
2000
0
300 400 500 600

TOTAL VENTA COSTO TOTA + C.F

CUOTA SALDO FINAL


145000.00
24696.96 126465.54
24696.96 107143.37
24696.96 87000.00
21648.60 69048.90
22248.60 49734.87
22848.60 29000.00
15675.58 14556.92
15175.58 0.00

CUOTA SALDO FINAL


142000.00
20315.18 126796.82
21115.18 110246.32
21915.18 92300.00
33496.19 62126.61
32996.19 31366.98
32496.19 0.00
Chart Title

10 15

COSTO TOTA + C.F COSTO FIJO

Chart Title

250 350

COSTO TOTA + C.F COSTO FIJO

Chart Title

500 600 700

COSTO TOTA + C.F COSTO FIJO


500 600 700

COSTO TOTA + C.F COSTO FIJO


DATOS

CAPITAL Ci 89550
TIEMPO n 1 años
TASA DE INTE i 21% anual
CUOTA Ci 16,805.69 bimestral

FECHA PERIODO SALDO INICIAL


2/5/2023 0
4/6/2023 1 89,550.00
6/5/2023 2 75,878.56
8/4/2023 3 61,728.62
10/3/2023 4 47,083.44
12/2/2023 5 31,925.67
1/31/2024 6 16,237.38

DATOS

CAPITAL Ci 89550
TIEMPO n 1 años
TASA DE INTE i 21% anual
CUOTA Ci 25,400.98 bimestral

FECHA PERIODO SALDO INICIAL


2/5/2023 0
4/6/2023 1 89,550.00
6/5/2023 2 68,850.40
8/4/2023 3 47,064.06
10/3/2023 4 24,133.95
DATOS

CAPITAL Ci 89550
TIEMPO n 1 años
TASA DE INTE i 21% anual
CUOTA Ci 34,123.18 bimestral

FECHA PERIODO SALDO INICIAL


2/5/2023 0
4/6/2023 1 89,550.00
6/5/2023 2 61,695.32
8/4/2023 3 31,890.82
6 Bimestres
0.035 Bimestres

16,805.69

INTERES AMORTIZACION CUOTA SALDO FINAL


89550
3,134.25 13,671.44 16,805.69 75,878.56
2,655.75 14,149.94 16,805.69 61,728.62
2,160.50 14,645.19 16,805.69 47,083.44
1,647.92 15,157.77 16,805.69 31,925.67
1,117.40 15,688.29 16,805.69 16,237.38
568.31 16,237.38 16,805.69 0.00
11,284.13

4 Bimestres
0.05 Bimestres

25,400.98

INTERES AMORTIZACION CUOTA SALDO FINAL


89550
4,701.38 20,699.60 25,400.98 68,850.40
3,614.65 21,786.33 25,400.98 47,064.06
2,470.86 22,930.12 25,400.98 24,133.95
1,267.03 24,133.95 25,400.98 0.00
12,053.92
3 Bimestres
0.07 Bimestres

34,123.18

INTERES AMORTIZACION CUOTA SALDO FINAL


89550
6,268.50 27,854.68 34,123.18 61,695.32
4,318.67 29,804.50 34,123.18 31,890.82
2,232.36 31,890.82 34,123.18 0.00
12,819.53
BANCO PRODEM.
A

Ci 65000
N 1.5 9
I 1.50% 3%

fecha P SI i
0
1 65000.00 260000.00
2 315967.23 1263868.91
3 1570983.37 6283933.46
4 7846244.05 31384976.22
5 39222727.50 156890910.01
6 196105324.73 784421298.94
7 980518490.90 3922073963.60
8 ### ###
9 ### ###
###

Ci 65000
N 1.5 6
I 13.50% 3%

fecha P SI i
0
1 65000.00 260000.00
2 313247.14 1252988.55
3 1554362.82 6217451.30
4 7759821.26 31039285.03
5 38786993.43 155147973.72
6 193922734.29 775690937.15
969608635.75
EJERCICIO 2

Ci 450000
N 2 AÑOS 12
i 21% ANUAL 3.5%

fecha P SI i
0
1 450000.00 15750.00
2 448754.80 1795019.21
3 2226778.82 8907115.27
4 11116898.89 44467595.57
5 55567499.27 222269997.09
6 277820501.16 1111282004.65
7 ### 15050.00
8 ### 5556085366.89
9 ### ###
10 ### ###
11 ### ###
12 ### 2721.17
131034.52

Ci 650000
N 2 AÑOS 12
i 24% ANUAL 4.0%

fecha P SI i
0
1 650000.00 26000.00
2 614842.61 18445.28
3 572480.50 2289921.99
4 2801945.10 11207780.39
5 13949618.10 55798472.39
6 69688333.10 278753332.40
7 348382258.11 13774.00
8 348336974.73 1393347898.91
9 ### 6966504664.96
10 ### ###
11 ### ###
12 ### 2732.42
A C SF
65000.00
-250967.23 9032.77 315967.23
-1255016.14 8852.77 1570983.37
-6275260.69 8672.77 7846244.05
-31376483.45 8492.77 39222727.50
-156882597.23 8312.77 196105324.73
-784413166.17 8132.77 980518490.90
-3922066010.83 7952.77 4902584501.72
-19610330234.13 7772.77 ###
-98051651350.63 7592.77 ###

A C SF
65000.00
-248247.14 11752.86 313247.14
-1241115.69 11872.86 1554362.82
-6205458.43 11992.86 7759821.26
-31027172.17 12112.86 38786993.43
-155135740.86 12232.86 193922734.29
-775678584.29 12352.86 969601318.57
A C SF
450000.00
1245.20 16995.20 448754.80
-1778024.02 16995.20 2226778.82
-8890120.08 16995.20 11116898.89
-44450600.38 16995.20 55567499.27
-222253001.89 16995.20 277820501.16
-1111265009.45 16995.20 1389085510.61
64168.89 79218.89 1389021341.72
-5556005898.00 79468.89 6945027239.72
-27780029239.99 79718.89 ###
-138900145949.95 79968.89 ###
-694500729499.75 80218.89 ###
77747.72 80468.89 ###

A C SF
650000.00
35157.39 61157.39 614842.61
42362.11 60807.39 572480.50
-2229464.60 60457.39 2801945.10
-11147673.00 60107.39 13949618.10
-55738715.00 59757.39 69688333.10
-278693925.01 59407.39 348382258.11
45283.39 59057.39 348336974.73
-1393289191.51 58707.39 1741626166.24
-6966423863.55 80801.42 8708050029.79
-34832119317.74 80801.42 ###
-174160596588.68 80801.42 ###
78069.00 80801.42 ###

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