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EJERCICIO 1
Se obtiene un préstamo hoy de 45 000 soles para ser cancelado bajo las siguientes condiciones; TEA 15%,
preparar el cuadro de servicio de deuda.
EJERCICIO 2
Se obtiene un préstamo hoy de 45 000 soles para ser cancelado bajo las siguientes condiciones; TEA 15%,
coinciden con el mes del cumpleaños del deudor. Calcular el monto de las cuotas y preparar el cuadro de
DATOS
P= 45000
�=𝟒𝟓𝟎𝟎𝟎/(∑26_(𝒌=𝟏,𝟏�%)^𝒏▒(_𝐾^�)𝐹𝑆� ) (𝟒𝟓𝟎𝟎𝟎/(
TEA= 15%
TEM= 1.171%
R= 1144.077136
(SUMATORIA) i%nFSA 39.33301224
n FECHA Nº MES FSA PRÉSTAMO
0 11/19/2018 45000.00
1 12/19/2018 1 0.988420733
2 1/18/2019 2 0.976975546
3 2/17/2019 3 0.965662885
4 3/19/2019 4 0.954481217
5 4/18/2019 5 0.943429025
6 5/18/2019 6 0
7 6/17/2019 7 0.921707086
8 7/17/2019 8 0.911034394
9 8/16/2019 9 0.900485284
10 9/15/2019 10 0.890058324
11 10/15/2019 11 0.879752102
12 11/14/2019 12 0.869565217
13 12/14/2019 13 0.85949629
14 1/13/2020 14 0.849543953
15 2/12/2020 15 0.839706857
16 3/13/2020 16 0.829983667
17 4/12/2020 17 0.820373065
18 5/12/2020 18 0
19 6/11/2020 19 0.801484423
20 7/11/2020 20 0.792203821
21 8/10/2020 21 0.783030682
22 9/9/2020 22 0.77396376
23 10/9/2020 23 0.765001828
24 11/8/2020 24 0.756143667
25 12/8/2020 25 0.747388078
26 1/7/2021 26 0.738733872
27 2/6/2021 27 0.730179876
28 3/8/2021 28 0.721724928
29 4/7/2021 29 0.713367882
30 5/7/2021 30 0
31 6/6/2021 31 0.696942976
32 7/6/2021 32 0.688872888
33 8/5/2021 33 0.680896245
34 9/4/2021 34 0.673011966
35 10/4/2021 35 0.66521898
36 11/3/2021 36 0.657516232
37 12/3/2021 37 0.649902677
38 1/2/2022 38 0.64237728
39 2/1/2022 39 0.634939022
40 3/3/2022 40 0.627586894
41 4/2/2022 41 0.620319898
42 5/2/2022 42 0
43 6/1/2022 43 0.606037371
44 7/1/2022 44 0.599019902
45 7/31/2022 45 0.592083691
46 8/30/2022 46 0.585227796
47 9/29/2022 47 0.578451287
48 10/29/2022 48 0.571753246
49 11/28/2022 49 0.565132762
50 12/28/2022 50 0.558588939
51 1/27/2023 51 0.552120889
52 2/26/2023 52 0.545727734
53 3/28/2023 53 0.539408607
54 4/27/2023 54 0.533162651
55 5/27/2023 55 0
56 6/26/2023 56 0.520886872
57 7/26/2023 57 0.514855384
58 8/25/2023 58 0.508893736
59 9/24/2023 59 0.503001119
60 10/24/2023 60 0.497176735
39.33301224
EJERCICIO 3
Se obtiene un préstamo hoy (19/11/18) de 45 000 soles para ser cancelado bajo las siguientes condicione
que coinciden con el mes del cumpleaños del deudor. Calcular el monto de las cuotas y preparar el cuadr
DATOS
P= 45000
TEA= 15%
TED= 0.03830%
R= 1149.332513
i%nFSA 39.15316018
EJERCICIO 1
tes condiciones; TEA 15%, cuotas iguales cada 30 días durante 5 años. Calcular el monto de las cuotas y
P= 45 000
+𝟏)^�−𝟏)) R R R R R R R
├──┼──┼──┼...─┼──┼──┼───┼
0 1 2 3 57 58 59 60 MES
𝟔𝟎−𝟏))=𝟏𝟎𝟒𝟖,𝟒� i=0,0171 %
INTERES SALDO
45000.00
527.17 44478.75
521.06 43951.39
514.89 43417.86
508.64 42878.07
502.31 42331.96
495.92 41779.45
489.44 41220.47
482.89 40654.94
476.27 40082.79 � �=�(𝟏/(𝟏+𝐢)^(� −(�−𝟏)) )
469.57 39503.94
462.79 38918.30
455.92 38325.80 � �𝟏 =𝟏𝟎𝟒𝟖.𝟒�(𝟏/(𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−�𝟎) )=𝟔
448.98 37726.36
441.96 37119.90
434.86 36506.33 i%nFSA 0.62758689
427.67 35885.58 R= 1048.42257
420.40 35257.55 A= 657.976267
413.04 34622.17
405.60 33979.34
398.07 33328.99
� ��=𝟏𝟎𝟒𝟖.𝟒�(( (𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−�𝟎)−𝟏 )/((𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−�
390.45 32671.01
382.74 32005.33
374.94 31331.84
367.05 30650.47 i%nFASU 31.7896498
359.07 29961.12 R= 1048.42257
350.99 29263.68 S= 33328.9864
342.82 28558.08 TEM*S 390.446307
334.56 27844.22
326.19 27121.99
317.73 26391.30
309.17 25652.05
300.51 24904.13
291.75 24147.46 � ��=𝟏𝟎𝟒𝟖.𝟒�(( (𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−��)−𝟏 )/((𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−��
282.89 23381.92
273.92 22607.42
264.84 21823.84 i%nFASU 27.2390967
255.66 21031.08 R= 1048.42257
246.38 20229.04 S= 28558.0839
236.98 19417.60
227.48 18596.65
217.86 17766.09
208.13 16925.79
198.28 16075.65
188.32 15215.55
178.25 14345.38
168.05 13465.01
157.74 12574.33
147.31 11673.22
136.75 10761.55
126.07 9839.19
115.27 8906.04
104.33 7961.95
93.27 7006.80
82.08 6040.46
70.76 5062.80
59.31 4073.69 � 𝟔𝟎=𝟏𝟎𝟒𝟖.𝟒�(𝟏/(𝟎,𝟎𝟏�+𝟏)^𝟏 )=𝟏𝟎𝟑𝟔,�𝟖
47.72 3072.99
36.00 2060.57
24.14 1036.28 i%nFSA 0.98842073
12.14 0.00 R= 1048.42257
A= 1036.28261
EJERCICIO 2
tes condiciones; TEA 15%, cuotas iguales cada 30 días durante 5 años, dejando de pagar las cuotas que
as y preparar el cuadro de servicio de deuda.
𝐾^�)𝐹𝑆� ) (𝟒𝟓𝟎𝟎𝟎/(𝟑𝟗,𝟑𝟑𝟑𝟎𝟏��))=𝟏𝟏𝟒𝟒,𝟎��
CUOTA AMORTIZACIÓN INTERES SALDO
45000.00
1144.08 616.91 527.17 44383.09
1144.08 624.13 519.94 43758.96
1144.08 631.44 512.63 43127.52
1144.08 638.84 505.24 42488.67
1144.08 646.33 497.75 41842.35
0.00 0 490.179642 42332.53
1144.08 648.16 495.92 41684.37
1144.08 655.75 488.33 41028.63
1144.08 663.43 480.65 40365.20
1144.08 671.20 472.87 39693.99
1144.08 679.07 465.01 39014.93
1144.08 687.02 457.06 38327.91
1144.08 695.07 449.01 37632.84
1144.08 703.21 440.87 36929.63
1144.08 711.45 432.63 36218.18
1144.08 719.78 424.29 35498.39
1144.08 728.22 415.86 34770.18
0.00 0 407.329729 35177.51
1144.08 731.98 412.10 34445.53
1144.08 740.55 403.53 33704.98
1144.08 749.23 394.85 32955.75
1144.08 758.00 386.07 32197.75
1144.08 766.88 377.19 31430.87
1144.08 775.87 368.21 30655.00
1144.08 784.96 359.12 29870.04
1144.08 794.15 349.93 29075.89
1144.08 803.46 340.62 28272.44
1144.08 812.87 331.21 27459.57
1144.08 822.39 321.69 26637.18
0.00 0 312.052328 26949.23
1144.08 828.37 315.71 26120.86
1144.08 838.07 306.00 25282.79
1144.08 847.89 296.19 24434.90
1144.08 857.82 286.25 23577.07
1144.08 867.87 276.20 22709.20
1144.08 878.04 266.04 21831.16
1144.08 888.33 255.75 20942.83
1144.08 898.73 245.34 20044.10
1144.08 909.26 234.81 19134.83
1144.08 919.91 224.16 18214.92
1144.08 930.69 213.39 17284.23
0.00 0 202.483318 17486.71
1144.08 939.22 204.86 16547.49
1144.08 950.22 193.85 15597.27
1144.08 961.36 182.72 14635.91
1144.08 972.62 171.46 13663.29
1144.08 984.01 160.06 12679.28
1144.08 995.54 148.54 11683.74
1144.08 1007.20 136.87 10676.54
1144.08 1019.00 125.07 9657.53
1144.08 1030.94 113.14 8626.59
1144.08 1043.02 101.06 7583.58
1144.08 1055.24 88.84 6528.34
1144.08 1067.60 76.48 5460.74
0.00 0 63.9721313 5524.71
1144.08 1079.36 64.72 4445.36
1144.08 1092.00 52.08 3353.36
1144.08 1104.79 39.28 2248.56
1144.08 1117.74 26.34 1130.83
1144.08 1130.83 13.25 0.00
46476.02
EJERCICIO 3
las siguientes condiciones; TEA 15%, cada 19 de cada mes durante 5 años, dejando de pagar las cuotas
cuotas y preparar el cuadro de servicio de deuda.
I= 1.17%
n= 60
i%nFSC 2.01135719
i%nFSA 0.49717674
i%nFCSU 86.3307179
i%nFDFA 0.01158336
i%nFASU 42.9216245
i%nFRC 0.02329828
i%nFCSA 2247.6231
i%nFASA 1117.46591
FACTORES FINANCIEROS
I= 1.17%
n= 40
^(� −(�−𝟏)) )
i%nFSC 1.59340485
i%nFSA 0.62758689
i%nFCSU 50.6537821
�+𝟏)^(𝟔𝟎−�𝟎) )=𝟔𝟓�,𝟗𝟖
i%nFDFA 0.01974186
i%nFASU 31.7896498
i%nFRC 0.03145678
i%nFCSA 909.420202
i%nFASA 570.7402
FACTORES FINANCIEROS
i%nFSC 1.59340485
i%nFSA 0.62758689
i%nFCSU 50.6537821
i%nFDFA 0.01974186
i%nFASU 31.7896498
i%nFRC 0.03145678
i%nFCSA 909.420202
i%nFASA 570.7402
FACTORES FINANCIEROS
𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−��) (𝟎,𝟎𝟏�) ))=�𝟖𝟓𝟓𝟖,𝟎𝟖
I= 1.17%
n= 33
i%nFSC 1.46865254
i%nFSA 0.68089624
i%nFCSU 40.0047686
i%nFDFA 0.02499702
i%nFASU 27.2390967
i%nFRC 0.03671194
i%nFCSA 597.935834
i%nFASA 407.132264
FACTORES FINANCIEROS
I= 1.17%
)=𝟏𝟎𝟑𝟔,�𝟖 n= 1
i%nFSC 1.01171492
i%nFSA 0.98842073
i%nFCSU 1
i%nFDFA 1
i%nFASU 0.98842073
i%nFRC 1.01171492
i%nFCSA 0
i%nFASA 0