Grupo 22 -Trabajo Final
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Valor Nominal S/. 68,000 TEM 1.3159% a) Fecha final 8/20/2015 Fecha inicial 11/18/2014 Fecha de pago anticipado 2/5/2015 Periodo - dias 79 Valor Futuro S/.70,381.80 b) Prestamo S/. 68,000 Tasa 1.3159% Fecha inicial 11/18/2014 Fecha traslado 11/30/2014 Periodo - dias 12 Valor Futuro 31 Dic S/.68,356.53 Intereses Noviembre S/.356.53 c) TEM 1.3159% Fecha inicial 11/18/2014 Fecha de cambio de tasa 12/31/2014 Periodo dias 43 Valor Futuro 31 DIC S/.69,286.25 Valor Futuro 31 DIC S/.69,286.25 Nueva tasa 2.5324% Fecha inicial 12/31/2014 Fecha de pago anticipado 2/5/2015 Periodo - dias 36 Valor Futuro 12 Julio S/.71,397.08 d) Prestamo S/. 68,000 Tasa 1.3159% Fecha inicial 11/18/2014 Fecha traslado 12/31/2014 Periodo - dias 43 Valor Futuro 31 Dic S/.69,286.25 Pago 1 S/.3.00 Tasa 1.3159% Fecha inicial 12/15/2014 Fecha traslado 12/31/2014 Periodo - dias 16 Valor Futuro 31 de Dic S/.3.0210 Pago 2 S/.1.00
description
ejercicios matemática financiera
Transcript of Grupo 22 -Trabajo Final
PREGUNTA 1Valor Nominal68000TEM1.3159%
a)Fecha final8/20/15Fecha inicial11/18/14Fecha de pago anticipado2/5/15Periodo - dias79Valor Futuro70381.8048279587b)Prestamo68000Tasa1.3159%Fecha inicial11/18/14Fecha traslado11/30/14Periodo - dias12Valor Futuro 31 Dic68356.5325508115Intereses Noviembre356.5325508115c)TEM1.3159%Fecha inicial11/18/14Fecha de cambio de tasa12/31/14Periodo dias43Valor Futuro 31 DIC69286.2511458768Valor Futuro 31 DIC69286.2511458768Nueva tasa2.5324%Fecha inicial12/31/14Fecha de pago anticipado2/5/15Periodo - dias36Valor Futuro 12 Julio71397.0783895431d)Prestamo68000Tasa1.3159%Fecha inicial11/18/14Fecha traslado12/31/14Periodo - dias43Valor Futuro 31 Dic69286.2511458768
Pago 13Tasa1.3159%Fecha inicial12/15/14Fecha traslado12/31/14Periodo - dias16Valor Futuro 31 de Dic3.0209908086
Pago 21Tasa2.5324%Fecha traslado12/31/14Fecha final2/5/15Periodo - dias36Valor Futuro 31 de Dic0.9704353835
Pago 312000Tasa2.5324%Fecha traslado12/31/14Fecha final3/12/15Periodo - dias71Valor Futuro 31 de Dic11310.3626613921
Pago 414000Tasa2.5324%Fecha traslado12/31/14Fecha final8/20/15Periodo - dias232Valor Futuro 31 de Dic11538.1229544715x11634.3791154902
PREGUNTA 2TIEMPO DE PENSIONES15180MESESPENSIN8,900MENSUALESINICIAL5,000APORTE MENUAL450TEA ANTES DE JUBILARSE9%TEM ANTES DE JUBILARSE0.0072073233TEA DESPUES DE JUBILARSE7%TEM DESPUES DE JUBILARSE0.0056541454X= # DE MESES PARA APORTAR A SU JUBILACIONFONDO PARA JUBILARSE1003552.26765524CANTIDAD DE PERIODOS384.39MESES32.032322227132 AOS
PREGUNTA 3DATOSPRESTAMO26000NPER2626TET3%TE260.858%P.G552.1153846154DIAS TOTAL PAGO676DIAS TOTAL 731A.VF26473.9240517849CUOTA1140.3019122845
B.CUOTA 9DIAS234.00289.00TOTAL DIAS442.00NPER17.00VA17966.8498326209PREPAGO9000VF - MONTO A PAGAR 8966.849832621NUEVO CUOTA569.0989854405
CMES 13390TOTAL DIAS341.00NPER13.1153846154VA7031.0598605211TET5%TE260.0141947383PAGO591.3270872019
PREGUNTA 4PRINCIPAL140,000NM. DE CUOTAS28TET5%PER. GRACIA2MES
CAMBIO EN LA TASA8COMISIN SPREAD0.07%
eagostin: Vento: Considerar como una TEM adicional a la cobrada en
el prstamo.NUEVA TEA25%COMISIN FIJA0NUEVA TEM TOTAL1.9469%COMISIN
DE ADM. (FLAT)2.00%CUOTA-PREPAGO15PORTES Y MANT.10PREPAGO12,000TASA
IMPOSITIVA30%ITF0.00%COMISIN FLAT2,800.00TEM TOTAL1.7096%VF
(PRINCIPAL)
: Capitalizamos el principal por los perodos de
gracia.144,827.90CUOTA MENSUAL6,552.10a) y
b)MesSaldoIntersAmortizacinCuotaCOMISIONES
eagostin: Vento: FLAT ms la fija.PORTES Y
MITFATFCN0140,000.00-140,000.002,800.000.000.00840.00138,040.001140,000.000.000.000.000.000.000.000.002140,000.000.000.000.000.000.000.000.003144,827.902,476.034,076.076,552.1010.000.00745.81-5,816.294140,751.832,406.344,145.766,552.1010.000.00724.90-5,837.205136,606.072,335.474,216.646,552.1010.000.00703.64-5,858.466132,389.432,263.384,288.726,552.1010.000.00682.01-5,880.097128,100.712,190.064,362.056,552.1010.000.00660.02-5,902.088123,738.662,115.484,436.626,552.1010.000.00637.64-5,924.469119,302.042,039.634,512.476,552.1010.000.00614.89-5,947.2110114,789.571,962.484,589.626,552.1010.000.00591.75-5,970.3611110,199.951,884.024,668.086,552.1010.000.00568.21-5,993.9012105,531.871,804.214,747.896,552.1010.000.00544.26-6,017.8413100,783.981,723.044,829.066,552.1010.000.00519.91-6,042.191495,954.921,640.484,911.626,552.1010.000.00495.14-6,066.961591,043.291,556.514,995.596,552.1010.000.00469.95-6,092.151686,047.701,471.105,081.006,552.1010.000.00444.33-6,117.771780,966.701,384.245,167.876,552.1010.000.00418.27-6,143.831875,798.841,295.885,256.226,552.1010.000.00391.77-6,170.341970,542.621,206.025,346.086,552.1010.000.00364.81-6,197.302065,196.541,114.625,437.486,552.1010.000.00337.39-6,224.712159,759.061,021.665,530.446,552.1010.000.00309.50-6,252.602254,228.62927.115,624.996,552.1010.000.00281.13-6,280.972348,603.63830.955,721.166,552.1010.000.00252.28-6,309.822442,882.47733.135,818.976,552.1010.000.00222.94-6,339.162537,063.51633.655,918.456,552.1010.000.00193.10-6,369.012631,145.06532.476,019.636,552.1010.000.00162.74-6,399.362725,125.42429.556,122.556,552.1010.000.00131.87-6,430.242819,002.87324.886,227.226,552.1010.000.00100.46-6,461.642912,775.65218.426,333.686,552.1010.000.0068.53-6,493.58306,441.97110.136,441.976,552.1010.000.0036.04-6,526.06144,827.901.7096%TEM
C.E.C. d.i.1.3577%0.00-0.0000%TEA C.E.C. d.i.17.5663%Nueva
TEM1.9469%Nueva cuota con tasa
nueva6,725.44c)MesSaldoIntersAmortizacinCuotaCOMISIONES
eagostin: Vento: FLAT ms la fija.PORTES Y
MITFATFCN0140,000.00-140,000.002,800.000.000.00840.00138,040.001140,000.000.000.000.000.000.000.000.002140,000.000.000.000.000.000.000.000.003144,827.902,476.034,076.076,552.1010.000.00745.81-5,816.294140,751.832,406.344,145.766,552.1010.000.00724.90-5,837.205136,606.072,335.474,216.646,552.1010.000.00703.64-5,858.466132,389.432,263.384,288.726,552.1010.000.00682.01-5,880.097128,100.712,190.064,362.056,552.1010.000.00660.02-5,902.088123,738.662,115.484,609.966,725.4410.000.00637.64-6,097.809119,128.702,036.674,688.776,725.4410.000.00614.00-6,121.4410114,439.931,956.514,768.936,725.4410.000.00589.95-6,145.4911109,671.001,874.974,850.476,725.4410.000.00565.49-6,169.9512104,820.531,792.054,933.396,725.4410.000.00540.61-6,194.821399,887.141,707.715,017.736,725.4410.000.00515.31-6,220.131494,869.411,621.925,103.526,725.4410.000.00489.58-6,245.861589,765.891,534.675,190.776,725.4410.000.00463.40-6,272.041684,575.121,445.935,279.516,725.4410.000.00436.78-6,298.661779,295.611,355.675,369.776,725.4410.000.00409.70-6,325.741873,925.831,263.865,461.586,725.4410.000.00382.16-6,353.281968,464.261,170.495,554.956,725.4410.000.00354.15-6,381.292062,909.311,075.525,649.926,725.4410.000.00325.66-6,409.782157,259.39978.935,746.516,725.4410.000.00296.68-6,438.762251,512.87880.685,844.766,725.4410.000.00267.20-6,468.232345,668.12780.765,944.686,725.4410.000.00237.23-6,498.212439,723.44679.136,046.316,725.4410.000.00206.74-6,528.702533,677.12575.766,149.686,725.4410.000.00175.73-6,559.712627,527.44470.626,254.826,725.4410.000.00144.19-6,591.252721,272.62363.686,361.766,725.4410.000.00112.11-6,623.332814,910.86254.926,470.526,725.4410.000.0079.48-6,655.96298,440.35144.306,581.146,725.4410.000.0046.29-6,689.15301,859.2131.791,859.211,890.9910.000.0012.54-1,888.46144,827.901.7096%TEM
C.E.C. d.i.1.3605%0.000.0000%TEA C.E.C.
d.i.17.6045%d)MesSaldoIntersAmortizacinCuotaCOMISIONES
eagostin: Vento: FLAT ms la fija.PORTES Y
MITFATFCN0140,000.00-140,000.002,800.000.000.00840.00138,040.001140,000.000.000.000.000.000.000.000.002140,000.000.000.000.000.000.000.000.003144,827.902,476.034,076.076,552.1010.000.00745.81-5,816.294140,751.832,406.344,145.766,552.1010.000.00724.90-5,837.205136,606.072,335.474,216.646,552.1010.000.00703.64-5,858.466132,389.432,263.384,288.726,552.1010.000.00682.01-5,880.097128,100.712,190.064,362.056,552.1010.000.00660.02-5,902.088123,738.662,115.484,609.966,725.4410.000.00637.64-6,097.809119,128.702,036.674,688.776,725.4410.000.00614.00-6,121.4410114,439.931,956.514,768.936,725.4410.000.00589.95-6,145.4911109,671.001,874.974,850.476,725.4410.000.00565.49-6,169.9512104,820.531,792.054,933.396,725.4410.000.00540.61-6,194.821399,887.141,707.715,017.736,725.4410.000.00515.31-6,220.131494,869.411,621.925,103.526,725.4410.000.00489.58-6,245.861589,765.891,534.675,190.776,725.4410.000.00463.40-6,272.041684,575.121,445.935,279.516,725.4410.000.00436.78-6,298.661779,295.611,355.6717,369.7718,725.4410.000.00409.70-18,325.741861,925.831,058.714,379.035,437.7310.000.00320.61-5,127.121957,546.81983.844,453.895,437.7310.000.00298.15-5,149.582053,092.92907.704,530.045,437.7310.000.00275.31-5,172.422148,562.88830.254,607.485,437.7310.000.00252.07-5,195.662243,955.40751.484,686.255,437.7310.000.00228.44-5,219.292339,269.14671.364,766.375,437.7310.000.00204.41-5,243.322434,502.77589.874,847.865,437.7310.000.00179.96-5,267.772529,654.91506.994,930.745,437.7310.000.00155.10-5,292.632624,724.17422.695,015.045,437.7310.000.00129.81-5,317.922719,709.13336.955,100.785,437.7310.000.00104.09-5,343.652814,608.36249.755,187.985,437.7310.000.0077.92-5,369.81299,420.37161.055,276.685,437.7310.000.0051.32-5,396.42304,143.7070.844,143.704,214.5410.000.0024.25-4,200.29144,827.901.7096%TEM
C.E.C. d.i.1.3644%0.00-0.0000%TEA C.E.C. d.i.17.6592%
