Banco A valores Banco B

Valor del Prestamo 150000 Valor del Prestamo

Tasa anual 3% Tasa meses
Periodo años 10 Periodo meses
Pago Mensual al banco S/. 1,448.41 Pago Mensual al banco
Total pagado S/. 173,809.34 Total pagado
Total de interes pagado S/. 23,809.34 Total de interes pagado

Banco D valores Banco E

Valor del Prestamo 150000 Valor del Prestamo
Tasa trimestral 0.65% Tasa meses
Periodo meses 120 Periodo años
Pago Mensual al banco S/. 1,420.88 Pago Mensual al banco
Total pagado S/. 170,505.58 Total pagado
Total de interes pagado S/. 20,505.58 Total de interes pagado

S/. 1,420.88

EL banco a elegir es--> BANCO D

 valores Banco C valores
150000 Valor del Prestamo 150000
0.23% Tasa semestral 1.45%
120 Periodo anual 10
S/. 1,431.85 Pago Mensual al banco S/. 1,441.50
S/. 171,822.34 Total pagado S/. 172,979.69
S/. 21,822.34 Total de interes pagado S/. 22,979.69

valores
150000
0.26%
10
S/. 1,456.73
S/. 174,808.17
S/. 24,808.17
 Banco A valores Banco B
Valor del Ahorro (Vf) S/. 50,000.00 Valor del Ahorro (Vf)
Tasa anual 1.50% Tasa trimestral
Periodo años 5 Periodo meses
Pago Mensual al banco S/. 801.99 Pago Mensual al banco
Total ahorrado S/. 48,119.51 Total ahorrado
Total de interes ahorrado S/. 1,880.49 Total de interes ahorrado

Banco D valores Banco E

Valor del Ahorro (Vf) S/. 50,000.00 Valor del Ahorro (Vf)
Tasa semestral 1.00% Tasa meses
Periodo meses 60 Periodo años
Pago Mensual al banco S/. 791.74 Pago Mensual al banco
Total ahorrado S/. 47,504.11 Total ahorrado
Total de interes ahorrado S/. 2,495.89 Total de interes ahorrado

EL banco a elegir es-->

 valores Banco C valores
S/. 50,000.00 Valor del Ahorro (Vf) S/. 50,000.00
0.35% Tasa bimestral 0.30%
60 Periodo anual 5
S/. 804.05 Pago Mensual al banco S/. 795.83
S/. 48,243.28 Total ahorrado S/. 47,749.59
S/. 1,756.72 Total de interes ahorrado S/. 2,250.41

valores
S/. 50,000.00
0.15%
5

S/. 0.00
S/. 50,000.00
 1 Elaborar el cuadro de amortización de un préstamo con anualidad constante (francés) co
1 Principal $100,000.00
Duración 10 años
Tasa efectiva anual 35%
a) Cuál es la cuota mensual a pagar? (pago)
b) Si no conoce la tasa, como calcula la tasa mensual? (tasa)
c) Si no conoce la duración, Como lo calcula? (nper)
d) Si no conoce el Principal, como lo calcula? (va)
e) Cuadro de amortización

Principal 100000
Duración 10 Meses 120
TEA 35% Tasa Nominal 2.5324%

Cuota mensual S/. 2,664.95

totalpagado S/. 319,793.63
interes pagado S/. 219,793.63
Cuadro de Amortizacion
Periodo Cuota mensual Interes Capital (amortizacion) Saldo
1 S/. 2,664.95 S/. 2,532.41 S/. 132.54 S/. 99,867.46
2 S/. 2,664.95 S/. 2,529.05 S/. 135.90 S/. 99,731.56
3 S/. 2,664.95 S/. 2,525.61 S/. 139.34 S/. 99,592.22
4 S/. 2,664.95 S/. 2,522.08 S/. 142.87 S/. 99,449.35
5 S/. 2,664.95 S/. 2,518.46 S/. 146.49 S/. 99,302.87
6 S/. 2,664.95 S/. 2,514.75 S/. 150.20 S/. 99,152.67
7 S/. 2,664.95 S/. 2,510.95 S/. 154.00 S/. 98,998.67
8 S/. 2,664.95 S/. 2,507.05 S/. 157.90 S/. 98,840.78
9 S/. 2,664.95 S/. 2,503.05 S/. 161.90 S/. 98,678.88
10 S/. 2,664.95 S/. 2,498.95 S/. 166.00 S/. 98,512.88
11 S/. 2,664.95 S/. 2,494.75 S/. 170.20 S/. 98,342.68
12 S/. 2,664.95 S/. 2,490.44 S/. 174.51 S/. 98,168.17
13 S/. 2,664.95 S/. 2,486.02 S/. 178.93 S/. 97,989.24
14 S/. 2,664.95 S/. 2,481.49 S/. 183.46 S/. 97,805.78
15 S/. 2,664.95 S/. 2,476.84 S/. 188.11 S/. 97,617.67
16 S/. 2,664.95 S/. 2,472.08 S/. 192.87 S/. 97,424.80
17 S/. 2,664.95 S/. 2,467.19 S/. 197.76 S/. 97,227.04
18 S/. 2,664.95 S/. 2,462.18 S/. 202.76 S/. 97,024.28
19 S/. 2,664.95 S/. 2,457.05 S/. 207.90 S/. 96,816.38
20 S/. 2,664.95 S/. 2,451.78 S/. 213.16 S/. 96,603.21
21 S/. 2,664.95 S/. 2,446.39 S/. 218.56 S/. 96,384.65
22 S/. 2,664.95 S/. 2,440.85 S/. 224.10 S/. 96,160.56
23 S/. 2,664.95 S/. 2,435.18 S/. 229.77 S/. 95,930.79
24 S/. 2,664.95 S/. 2,429.36 S/. 235.59 S/. 95,695.19
25 S/. 2,664.95 S/. 2,423.39 S/. 241.56 S/. 95,453.64
26 S/. 2,664.95 S/. 2,417.27 S/. 247.67 S/. 95,205.97
27 S/. 2,664.95 S/. 2,411.00 S/. 253.95 S/. 94,952.02
28 S/. 2,664.95 S/. 2,404.57 S/. 260.38 S/. 94,691.64
29 S/. 2,664.95 S/. 2,397.98 S/. 266.97 S/. 94,424.67
30 S/. 2,664.95 S/. 2,391.22 S/. 273.73 S/. 94,150.94
31 S/. 2,664.95 S/. 2,384.28 S/. 280.66 S/. 93,870.28
32 S/. 2,664.95 S/. 2,377.18 S/. 287.77 S/. 93,582.51
33 S/. 2,664.95 S/. 2,369.89 S/. 295.06 S/. 93,287.45
34 S/. 2,664.95 S/. 2,362.42 S/. 302.53 S/. 92,984.92
35 S/. 2,664.95 S/. 2,354.76 S/. 310.19 S/. 92,674.73
36 S/. 2,664.95 S/. 2,346.90 S/. 318.05 S/. 92,356.68
37 S/. 2,664.95 S/. 2,338.85 S/. 326.10 S/. 92,030.58
38 S/. 2,664.95 S/. 2,330.59 S/. 334.36 S/. 91,696.22
39 S/. 2,664.95 S/. 2,322.12 S/. 342.83 S/. 91,353.39
40 S/. 2,664.95 S/. 2,313.44 S/. 351.51 S/. 91,001.89
41 S/. 2,664.95 S/. 2,304.54 S/. 360.41 S/. 90,641.48
42 S/. 2,664.95 S/. 2,295.41 S/. 369.54 S/. 90,271.94
43 S/. 2,664.95 S/. 2,286.05 S/. 378.90 S/. 89,893.04
44 S/. 2,664.95 S/. 2,276.46 S/. 388.49 S/. 89,504.55
45 S/. 2,664.95 S/. 2,266.62 S/. 398.33 S/. 89,106.22
46 S/. 2,664.95 S/. 2,256.53 S/. 408.42 S/. 88,697.81
47 S/. 2,664.95 S/. 2,246.19 S/. 418.76 S/. 88,279.05
48 S/. 2,664.95 S/. 2,235.58 S/. 429.36 S/. 87,849.69
49 S/. 2,664.95 S/. 2,224.71 S/. 440.24 S/. 87,409.45
50 S/. 2,664.95 S/. 2,213.56 S/. 451.38 S/. 86,958.07
51 S/. 2,664.95 S/. 2,202.13 S/. 462.82 S/. 86,495.25
52 S/. 2,664.95 S/. 2,190.41 S/. 474.54 S/. 86,020.71
53 S/. 2,664.95 S/. 2,178.39 S/. 486.55 S/. 85,534.16
54 S/. 2,664.95 S/. 2,166.07 S/. 498.87 S/. 85,035.29
55 S/. 2,664.95 S/. 2,153.44 S/. 511.51 S/. 84,523.78
56 S/. 2,664.95 S/. 2,140.48 S/. 524.46 S/. 83,999.32
57 S/. 2,664.95 S/. 2,127.20 S/. 537.74 S/. 83,461.57
58 S/. 2,664.95 S/. 2,113.59 S/. 551.36 S/. 82,910.21
59 S/. 2,664.95 S/. 2,099.62 S/. 565.32 S/. 82,344.89
60 S/. 2,664.95 S/. 2,085.31 S/. 579.64 S/. 81,765.25
61 S/. 2,664.95 S/. 2,070.63 S/. 594.32 S/. 81,170.93
62 S/. 2,664.95 S/. 2,055.58 S/. 609.37 S/. 80,561.56
63 S/. 2,664.95 S/. 2,040.15 S/. 624.80 S/. 79,936.76
64 S/. 2,664.95 S/. 2,024.32 S/. 640.62 S/. 79,296.13
 65 S/. 2,664.95 S/. 2,008.10 S/. 656.85 S/. 78,639.28
66 S/. 2,664.95 S/. 1,991.47 S/. 673.48 S/. 77,965.80
67 S/. 2,664.95 S/. 1,974.41 S/. 690.54 S/. 77,275.27
68 S/. 2,664.95 S/. 1,956.92 S/. 708.02 S/. 76,567.24
69 S/. 2,664.95 S/. 1,938.99 S/. 725.95 S/. 75,841.29
70 S/. 2,664.95 S/. 1,920.61 S/. 744.34 S/. 75,096.95
71 S/. 2,664.95 S/. 1,901.76 S/. 763.19 S/. 74,333.76
72 S/. 2,664.95 S/. 1,882.43 S/. 782.51 S/. 73,551.25
73 S/. 2,664.95 S/. 1,862.62 S/. 802.33 S/. 72,748.92
74 S/. 2,664.95 S/. 1,842.30 S/. 822.65 S/. 71,926.27
75 S/. 2,664.95 S/. 1,821.46 S/. 843.48 S/. 71,082.79
76 S/. 2,664.95 S/. 1,800.10 S/. 864.84 S/. 70,217.95
77 S/. 2,664.95 S/. 1,778.20 S/. 886.74 S/. 69,331.20
78 S/. 2,664.95 S/. 1,755.75 S/. 909.20 S/. 68,422.00
79 S/. 2,664.95 S/. 1,732.72 S/. 932.22 S/. 67,489.78
80 S/. 2,664.95 S/. 1,709.12 S/. 955.83 S/. 66,533.95
81 S/. 2,664.95 S/. 1,684.91 S/. 980.04 S/. 65,553.91
82 S/. 2,664.95 S/. 1,660.09 S/. 1,004.86 S/. 64,549.05
83 S/. 2,664.95 S/. 1,634.64 S/. 1,030.30 S/. 63,518.75
84 S/. 2,664.95 S/. 1,608.55 S/. 1,056.39 S/. 62,462.36
85 S/. 2,664.95 S/. 1,581.80 S/. 1,083.15 S/. 61,379.21
86 S/. 2,664.95 S/. 1,554.37 S/. 1,110.58 S/. 60,268.63
87 S/. 2,664.95 S/. 1,526.25 S/. 1,138.70 S/. 59,129.93
88 S/. 2,664.95 S/. 1,497.41 S/. 1,167.54 S/. 57,962.40
89 S/. 2,664.95 S/. 1,467.84 S/. 1,197.10 S/. 56,765.29
90 S/. 2,664.95 S/. 1,437.53 S/. 1,227.42 S/. 55,537.87
91 S/. 2,664.95 S/. 1,406.44 S/. 1,258.50 S/. 54,279.37
92 S/. 2,664.95 S/. 1,374.57 S/. 1,290.37 S/. 52,989.00
93 S/. 2,664.95 S/. 1,341.90 S/. 1,323.05 S/. 51,665.95
94 S/. 2,664.95 S/. 1,308.39 S/. 1,356.56 S/. 50,309.39
95 S/. 2,664.95 S/. 1,274.04 S/. 1,390.91 S/. 48,918.48
96 S/. 2,664.95 S/. 1,238.81 S/. 1,426.13 S/. 47,492.35
97 S/. 2,664.95 S/. 1,202.70 S/. 1,462.25 S/. 46,030.10
98 S/. 2,664.95 S/. 1,165.67 S/. 1,499.28 S/. 44,530.82
99 S/. 2,664.95 S/. 1,127.70 S/. 1,537.25 S/. 42,993.58
100 S/. 2,664.95 S/. 1,088.77 S/. 1,576.18 S/. 41,417.40
101 S/. 2,664.95 S/. 1,048.86 S/. 1,616.09 S/. 39,801.31
102 S/. 2,664.95 S/. 1,007.93 S/. 1,657.02 S/. 38,144.30
103 S/. 2,664.95 S/. 965.97 S/. 1,698.98 S/. 36,445.32
104 S/. 2,664.95 S/. 922.94 S/. 1,742.00 S/. 34,703.31
105 S/. 2,664.95 S/. 878.83 S/. 1,786.12 S/. 32,917.19
106 S/. 2,664.95 S/. 833.60 S/. 1,831.35 S/. 31,085.84
107 S/. 2,664.95 S/. 787.22 S/. 1,877.73 S/. 29,208.12
108 S/. 2,664.95 S/. 739.67 S/. 1,925.28 S/. 27,282.84
109 S/. 2,664.95 S/. 690.91 S/. 1,974.03 S/. 25,308.80
110 S/. 2,664.95 S/. 640.92 S/. 2,024.03 S/. 23,284.78
111 S/. 2,664.95 S/. 589.67 S/. 2,075.28 S/. 21,209.50
112 S/. 2,664.95 S/. 537.11 S/. 2,127.84 S/. 19,081.66
113 S/. 2,664.95 S/. 483.23 S/. 2,181.72 S/. 16,899.94
114 S/. 2,664.95 S/. 427.98 S/. 2,236.97 S/. 14,662.97
115 S/. 2,664.95 S/. 371.33 S/. 2,293.62 S/. 12,369.35
116 S/. 2,664.95 S/. 313.24 S/. 2,351.70 S/. 10,017.64
117 S/. 2,664.95 S/. 253.69 S/. 2,411.26 S/. 7,606.38
118 S/. 2,664.95 S/. 192.62 S/. 2,472.32 S/. 5,134.06
119 S/. 2,664.95 S/. 130.02 S/. 2,534.93 S/. 2,599.13
120 S/. 2,664.95 S/. 65.82 S/. 2,599.13 S/. 0.00
S/. 319,793.63 S/. 219,793.63 S/. 100,000.00 S/. 8,579,242.35
ad constante (francés) con los siguientes datos:

Valor Actual S/. 100,000.00

Num.Periodo 120
Tasa 2.5324%

Interés pagado los primeros 15 meses S/. 37,591.87

Amortización pagado los primeros 15 meses S/. 2,382.33
Rentabilidad anual requerida 15%
Inversión Inicial $3,000,000.00
Año 0 Año 1
flujo de caja -$3,000,000.00 $750,000.00
$652,173.91

Valor actual $642,614.29

Valor actual S/. 642,614.29

TIR 24%

Cálculo del VNA utilizando como tasa de descuento el valor del TIR
 Año 2 Año 3 Año 4 Año 5
$1,250,000.00 $1,500,000.00 $1,200,000.00 $750,000.00
$945,179.58 $986,274.35 $686,103.89 $372,882.55

uento el valor del TIR $0.00

Rentabilidad anual requerida 10%
Inversión Inicial 150000
Año 0 Año 1 Año 2
flujo de caja -150000 2000 40000
1818.18 36363.64

Valor actual 15454.55

Valor actual -1987463.6%

TIR 6%

Cálculo del VNA utilizando como tasa de descuento el valor del TIR
 Año 3 Año 4 Año 5
40000 50000 50000
36363.64 45454.55 45454.55

valor del TIR