Actividad 3 Matematica Financiera

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tablas de amortizaciones, capital fijo, cuota fija, cuota creciente geometrico,

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PORTADA 1CURSO 102007 MATEMATICA FINANCIERA

DESARROLLO ACTIVIDAD TRES INDIVIDUALASTRID MILENA VERGARAUNIVERSIDAD NACIONAL ABIERTA Y A DISTANCIA "UNAD"COROZAL2015

ABSTRACT 2Abstract En esta unidad estudiada, y la actividad que realizamos os aspectos generales de los distintos sistemas; su aplicacin en el campo financiero da origen a planes deamortizacin que surgen e la creatividad del especialista. El xito en el desarrollo de un esquema de amortizacin depender exclusivamente del buen criterio del financista para interpretar lascondiciones econmicas y desarrollo futuro de su comuni

FIJA CAPITAL-CASO 1-3Tabla de amortizacion fija a capital

CAPITAL215,000,000.00TASA MENSUAL1.25%PERIODOS18.00

PERIODOSALDO I NICIALCUOTAINTERESESAMORTIZACIONSALDO FINAL1215,000,000.0013,412,729.262,687,500.0010,725,229.26204,274,770.742204,274,770.7413,412,729.262,553,434.6310,859,294.63193,415,476.113193,415,476.1113,412,729.262,417,693.4510,995,035.81182,420,440.304182,420,440.3013,412,729.262,280,255.5011,132,473.76171,287,966.545171,287,966.5413,412,729.262,141,099.5811,271,629.68160,016,336.866160,016,336.8613,412,729.262,000,204.2111,412,525.05148,603,811.817148,603,811.8113,412,729.261,857,547.6511,555,181.61137,048,630.208137,048,630.2013,412,729.261,713,107.8811,699,621.38125,349,008.819125,349,008.8113,412,729.261,566,862.6111,845,866.65113,503,142.1610113,503,142.1613,412,729.261,418,789.2811,993,939.99101,509,202.1711101,509,202.1713,412,729.261,268,865.0312,143,864.2389,365,337.941289,365,337.9413,412,729.261,117,066.7212,295,662.5477,069,675.401377,069,675.4013,412,729.26963,370.9412,449,358.3264,620,317.081464,620,317.0813,412,729.26807,753.9612,604,975.3052,015,341.781552,015,341.7813,412,729.26650,191.7712,762,537.4939,252,804.291639,252,804.2913,412,729.26490,660.0512,922,069.2126,330,735.091726,330,735.0913,412,729.26329,134.1913,083,595.0713,247,140.011813,247,140.0113,412,729.26165,589.2513,247,140.01(0.00)

SUMATORIA INTERES PRIMER AO23,022,426.55SUNATORIA INTERESES TOTALES26,429,126.72

FIJA A CAP DECR ARIT CASO 2 - 4Tabla de amortizaciongradiente geometreico decreciente

CAPITAL$ 215,000,000.00TASA MENSUAL1.25%PERIODOS18CUOTA CRECIENTE-2.00%

PERIODOSALDO I NICIALCUOTAINTERESESAMORTIZACIONSALDO FINAL1215,000,000.0013,669,270.132,687,500.0010,981,770.13204,018,229.872204,018,229.8713,395,884.732,550,227.8710,845,656.86193,172,573.013193,172,573.0113,395,884.732,414,657.1610,981,227.57182,191,345.454182,191,345.4513,395,884.732,277,391.8211,118,492.91171,072,852.545171,072,852.5413,395,884.732,138,410.6611,257,474.07159,815,378.476159,815,378.4713,395,884.731,997,692.2311,398,192.50148,417,185.977148,417,185.9713,395,884.731,855,214.8211,540,669.90136,876,516.068136,876,516.0613,395,884.731,710,956.4511,684,928.28125,191,587.799125,191,587.7913,395,884.731,564,894.8511,830,989.88113,360,597.9110113,360,597.9113,395,884.731,417,007.4711,978,877.25101,381,720.6511101,381,720.6513,395,884.731,267,271.5112,128,613.2289,253,107.431289,253,107.4313,395,884.731,115,663.8412,280,220.8976,972,886.541376,972,886.5413,395,884.73962,161.0812,433,723.6564,539,162.901464,539,162.9013,395,884.73806,739.5412,589,145.1951,950,017.711551,950,017.7113,395,884.73649,375.2212,746,509.5139,203,508.201639,203,508.2013,395,884.73490,043.8512,905,840.8826,297,667.321726,297,667.3213,395,884.73328,720.8413,067,163.8913,230,503.441813,230,503.4413,395,884.73165,381.2913,230,503.440.00SUMATORIA INTERES PRIMER AO22,996,888.69SUNATORIA INTERESES TOTALES26,399,310.52

PAGO CUOTA FIJA CASO 3-5Tabla de amortizacion fija a capital

CAPITAL215,000,000.00TASA MENSUAL1.25%PERIODOS18.00

PERIODOSALDO I NICIALCUOTAINTERESESAMORTIZACIONSALDO FINAL1215,000,000.0013,412,729.262,687,500.0010,725,229.26204,274,770.742204,274,770.7413,412,729.262,553,434.6310,859,294.63193,415,476.113193,415,476.1113,412,729.262,417,693.4510,995,035.81182,420,440.304182,420,440.3013,412,729.262,280,255.5011,132,473.76171,287,966.545171,287,966.5413,412,729.262,141,099.5811,271,629.68160,016,336.866160,016,336.8613,412,729.262,000,204.2111,412,525.05148,603,811.817148,603,811.8113,412,729.261,857,547.6511,555,181.61137,048,630.208137,048,630.2013,412,729.261,713,107.8811,699,621.38125,349,008.819125,349,008.8113,412,729.261,566,862.6111,845,866.65113,503,142.1610113,503,142.1613,412,729.261,418,789.2811,993,939.99101,509,202.1711101,509,202.1713,412,729.261,268,865.0312,143,864.2389,365,337.941289,365,337.9413,412,729.261,117,066.7212,295,662.5477,069,675.401377,069,675.4013,412,729.26963,370.9412,449,358.3264,620,317.081464,620,317.0813,412,729.26807,753.9612,604,975.3052,015,341.781552,015,341.7813,412,729.26650,191.7712,762,537.4939,252,804.291639,252,804.2913,412,729.26490,660.0512,922,069.2126,330,735.091726,330,735.0913,412,729.26329,134.1913,083,595.0713,247,140.011813,247,140.0113,412,729.26165,589.2513,247,140.01(0.00)

SUMATORIA INTERES PRIMER AO23,022,426.55SUNATORIA INTERESES TOTALES26,429,126.72

CUOTA FIJA PERIO GRAC CASO 4-6 Tabla de amortizacion cuota fija con periodo de gracia

CAPITAL215,000,000.00PERIODO DE GRACIA6.00TASA MENSUAL1.25%PERIODOS TOTALES18PERIODOS12.00

PERIODOSALDO I NICIALCUOTAINTERESESAMORTIZACIONSALDO FINAL1215,000,000.002,687,500.002,687,500.000.00215,000,000.002215,000,000.002,687,500.002,687,500.000.00215,000,000.003215,000,000.002,687,500.002,687,500.000.00215,000,000.004215,000,000.002,687,500.002,687,500.000.00215,000,000.005215,000,000.002,687,500.002,687,500.000.00215,000,000.006215,000,000.002,687,500.002,687,500.000.00215,000,000.007215,000,000.0019,405,537.152,687,500.0016,718,037.15198,281,962.858198,281,962.8519,405,537.152,478,524.5416,927,012.62181,354,950.239181,354,950.2319,405,537.152,266,936.8817,138,600.28164,216,349.9510164,216,349.9519,405,537.152,052,704.3717,352,832.78146,863,517.1711146,863,517.1719,405,537.151,835,793.9617,569,743.19129,293,773.9812129,293,773.9819,405,537.151,616,172.1717,789,364.98111,504,409.0013111,504,409.0019,405,537.151,393,805.1118,011,732.0493,492,676.961493,492,676.9619,405,537.151,168,658.4618,236,878.6975,255,798.271575,255,798.2719,405,537.15940,697.4818,464,839.6856,790,958.591656,790,958.5919,405,537.15709,886.9818,695,650.1738,095,308.421738,095,308.4219,405,537.15476,191.3618,929,345.8019,165,962.621819,165,962.6219,405,537.15239,574.5319,165,962.62(0.00)

SUMATORIA INTERES PRIMER AO27,446,459.75SUNATORIA INTERESES TOTALES33,751,871.32

CUOTA FIJA PERI MUERTO CASO 5-7Tabla de amortizacion cuota fija con periodo de gracia

CAPITAL215,000,000.00PERIODO DE GRACIA6.00TASA MENSUAL1.25%PERIODOS TOTALES18PERIODOS12.00CAPITAL AMORTIZAR$ 231,637,383.82

PERIODOSALDO I NICIALCUOTAINTERESESAMORTIZACIONSALDO FINAL1215,000,000.000.002,687,500.00-2,687,500.00217,687,500.002217,687,500.000.002,721,093.75-2,721,093.75220,408,593.753220,408,593.750.002,755,107.42-2,755,107.42223,163,701.174223,163,701.170.002,789,546.26-2,789,546.26225,953,247.445225,953,247.440.002,824,415.59-2,824,415.59228,777,663.036228,777,663.030.002,859,720.79-2,859,720.79231,637,383.827231,637,383.8220,907,199.342,895,467.3018,011,732.04213,625,651.788213,625,651.7820,907,199.342,670,320.6518,236,878.69195,388,773.089195,388,773.0820,907,199.342,442,359.6618,464,839.68176,923,933.4110176,923,933.4120,907,199.342,211,549.1718,695,650.17158,228,283.2411158,228,283.2420,907,199.341,977,853.5418,929,345.80139,298,937.4412139,298,937.4420,907,199.341,741,236.7219,165,962.62120,132,974.8213120,132,974.8220,907,199.341,501,662.1919,405,537.15100,727,437.6614100,727,437.6620,907,199.341,259,092.9719,648,106.3781,079,331.291581,079,331.2920,907,199.341,013,491.6419,893,707.7061,185,623.591661,185,623.5920,907,199.34764,820.2920,142,379.0441,043,244.551741,043,244.5520,907,199.34513,040.5620,394,158.7820,649,085.771820,649,085.7720,907,199.34258,113.5720,649,085.77(0.00)

SUMATORIA INTERES PRIMER AO30,576,170.85SUNATORIA INTERESES TOTALES35,886,392.07

ESTADO RESUL AJUSTADO-8ESTADO DE RESULTADOCUENTAS2014INCREMENTOESTADO DE RESULTADO AJUSTADOIgresos por ventas$ 938,391,011.00$ 187,678,202.20$ 1,126,069,213.20Costos de ventas$ 246,708,856.00$ 37,006,328.40$ 283,715,184.40Utilidad bruta$ 691,682,155.00$ 842,354,028.80Gastos Operacionales$ 180,745,422.00$ 177,457,324Utilidad Operacional$ 510,936,733.00$ 664,896,704.80Gastos financieros (sumatoria de los intereses del primer ao de cada tabla de amortizacin)$-0Utilidad antes de impuestos$ 510,936,733.00$ 664,896,704.80Impuestos$ 127,734,183.25$ 166,224,176.20Utilidad Neta$ 383,202,549.75$ 498,672,528.60

ESTADO RESUL FIJA CAPITAL -9ESTADO DE RESULTADO FIJA A CAPITALCUENTAS2014INCREMENTOESTADO DE RESULTADO AJUSTADOIgresos por ventas$ 938,391,011.00$ 187,678,202.20$ 1,126,069,213.20Costos de ventas$ 246,708,856.00$ 37,006,328.40$ 283,715,184.40Utilidad bruta$ 691,682,155.00$ 842,354,028.80Gastos Operacionales$ 180,745,422.00$ 177,457,324Utilidad Operacional$ 510,936,733.00$ 664,896,704.80Gastos financieros (sumatoria de los intereses del primer ao de cada tabla de amortizacin)$-23,022,426.55Utilidad antes de impuestos$ 510,936,733.00$ 641,874,278.25Impuestos$ 127,734,183.25$ 160,468,569.56Utilidad Neta$ 383,202,549.75$ 481,405,708.69

ESTADO RESUL GRADIEN CRECIEN-10ESTADO DE RESULTADO GRADIENTE GEOMETRICO DECRECIENTECUENTAS2014INCREMENTOESTADO DE RESULTADO AJUSTADOIgresos por ventas$ 938,391,011.00$ 187,678,202.20$ 1,126,069,213.20Costos de ventas$ 246,708,856.00$ 37,006,328.40$ 283,715,184.40Utilidad bruta$ 691,682,155.00$ 842,354,028.80Gastos Operacionales$ 180,745,422.00$ 177,457,324Utilidad Operacional$ 510,936,733.00$ 664,896,704.80Gastos financieros (sumatoria de los intereses del primer ao de cada tabla de amortizacin)$-30,576,170.85Utilidad antes de impuestos$ 510,936,733.00$ 634,320,533.95Impuestos$ 127,734,183.25$ 158,580,133.49Utilidad Neta$ 383,202,549.75$ 475,740,400.46

ESTADO RESUL CUOTA FIJA-11ESTADO DE RESULTADO CUOTA FIJACUENTAS2014INCREMENTOESTADO DE RESULTADO AJUSTADOIgresos por ventas$ 938,391,011.00$ 187,678,202.20$ 1,126,069,213.20Costos de ventas$ 246,708,856.00$ 37,006,328.40$ 283,715,184.40Utilidad bruta$ 691,682,155.00$ 842,354,028.80Gastos Operacionales$ 180,745,422.00$ 177,457,324Utilidad Operacional$ 510,936,733.00$ 664,896,704.80Gastos financieros (sumatoria de los intereses del primer ao de cada tabla de amortizacin)$-23,022,426.55Utilidad antes de impuestos$ 510,936,733.00$ 641,874,278.25Impuestos$ 127,734,183.25$ 160,468,569.56Utilidad Neta$ 383,202,549.75$ 481,405,708.69

ESTADO RESUL PERIO GRACIA-12ESTADO DE RESULTADO PERIODO DE GRACIACUENTAS2014INCREMENTOESTADO DE RESULTADO AJUSTADOIgresos por ventas$ 938,391,011.00$ 187,678,202.20$ 1,126,069,213.20Costos de ventas$ 246,708,856.00$ 37,006,328.40$ 283,715,184.40Utilidad bruta$ 691,682,155.00$ 842,354,028.80Gastos Operacionales$ 180,745,422.00$ 177,457,324Utilidad Operacional$ 510,936,733.00$ 664,896,704.80Gastos financieros (sumatoria de los intereses del primer ao de cada tabla de amortizacin)$-27,446,459.75Utilidad antes de impuestos$ 510,936,733.00$ 637,450,245.05Impuestos$ 127,734,183.25$ 159,362,561.26Utilidad Neta$ 383,202,549.75$ 478,087,683.79

ESTADO RESUL PERIO MUERTO-13ESTADO DE RESULTADO PERIODO MUERTOCUENTAS2014INCREMENTOESTADO DE RESULTADO AJUSTADOIgresos por ventas$ 938,391,011.00$ 187,678,202.20$ 1,126,069,213.20Costos de ventas$ 246,708,856.00$ 37,006,328.40$ 283,715,184.40Utilidad bruta$ 691,682,155.00$ 842,354,028.80Gastos Operacionales$ 180,745,422.00$ 177,457,324Utilidad Operacional$ 510,936,733.00$ 664,896,704.80Gastos financieros (sumatoria de los intereses del primer ao de cada tabla de amortizacin)$-30,576,170.85Utilidad antes de impuestos$ 510,936,733.00$ 634,320,533.95Impuestos$ 127,734,183.25$ 158,580,133.49Utilidad Neta$ 383,202,549.75$ 475,740,400.46

TABLA RESUMEN AMORTIZACIONTABLA RESUMEN DE AMORTIZACIONASTRID MILENA VERGARA MONTO SOLICITADOTASA INTERES EFECTIVA ANUALPERIODO DE GRACIAPERIODO MUERTOTOTAL PERIODOSCUOTA MENSUALINTERESES TOTALESINTERESES PRIMER AOIMPUESTOSUTILIDADAMORTIZACION FIJA A CAPITAL$ 215,000,0001.25%N/AN/A18$ 13,412,729.2626,429,126.7223,022,426.55$ 160,468,570$ 481,405,708.69AMORTIZACIN GRADIENTE GEOMETRICO DECRECIENTE$ 215,000,0001.25%N/AN/A18$ 13,395,884.7322,996,888.6922,996,888.69$ 158,580,133.49$ 475,740,400.46AMORTIZACION PAGO CUOTA FIJA$ 215,000,0001.25%N/AN/A18$ 13,412,729.2626,429,126.7223,022,426.55$ 160,468,569.56$ 481,405,708.69CUOTA CON PERIODO DE GRACIA$ 215,000,0001.25%6N/A18$ 19,405,537.1533,751,871.3227,446,459.75159,362,561.26$ 478,087,683.79CUOTA FIJA CON PERIODO MUERTO$ 215,000,0001.25%N/A618$ 20,907,199.3435,886,392.0730,576,170.85$ 158,580,133.49$ 475,740,400.46

CONCLUSIONESConclusiones La realizacion de esta actividad, me permitio desarrollar un poco mas mis conocimiento sobre la creacion de las diferentes amortizaciones. Como tambien la utilizacion del software y el manejo de formulas. Nos permitio establecer la prdida de valor de los activos que sufren por el paso del tiempo o por cambios en el valor en el mercado

REFERENCIASReferencias Alba Sanchez, Doris Amalia, (2014) Syllabus curso 102007 Matematica Financiera. Primera Edicion. Universidad Nacional Abierta y a Distancia UNAD. Recuperado de http//campus12unad.edu.co/campus12_20151/mod/lesson/view,php?id1186