Calcule el valor actual de un pagaré de $240 con vencimiento en 270 días: a) Al día de hoy con el 12% de interés anual; DATO ? $ 240 270 dias 12% anual – 0,12
C ! t i
C =
C =
M 1 + i x t 240,00 1 + 0,12
C =
C =
( ) 270 360
240,00 1 + 0,12 ( 0,75 ) 240,00 1,09
= 220,1835
") Dentro de 30 días con el 12% de interés anual;
C ! t #
C =
C =
DATO ? $ 240 30 días 12% anual – 0,12
M 1 + i x t 240,00 1 + 0,12
( ) 30
360
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C =
C =
240,00
1 + 0,12 ( 0,083333333 )
240,00 1,01
= 237,6238
c) Dentro de 0 días con el 12% de interés anual; DATO ? $ 240 0 días 12% anual – 0,12
C ! t i C =
C =
M 1 + i x t 240,00 1 + 0,12
C =
C =
( ) 90
360
240,00 1 + 0,12 ( 0,025 )
240,00 1,03
= 233,009
d) Dentro de 1!0 días con el 12% de interés anual y
C ! t i C =
DATO ? $ 240 1!0 días 12% anual – 0,12 M 1 ix
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C =
240,00 1 + 0,12
C =
C =
( ) 180 360
240,00 1 + 0,12 ( 0,05 ) 240,00 1,06
= 226,415
e) Antes de de 0 días días del vencimiento vencimiento con el %2& de interés interés anual' anual' DATO ? $ 240 "0 días 12% anual – 0,12
C ! t i C =
C =
C =
C =
M 1 + i x t 240,00 1 + 0,12
( )
240,00
60
360
1 + 0,12 ( 0,166666666 ) 240,00 1,02
= 235,294
%' Calcule: a) #a echa de enci&iento; 11
Tiempo (acto A'ril
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1"
-ctu're ") (l valor valor al vencimiento vencimiento de de un documento documento de $*00 $*00 suscrito suscrito el %+ de a"ri a"rill con con venc vencim imie ient nto o en %,0 %,0 días días a un inte interé rés s del del %& mensual DATO ? $ 300 1!0 días 1% &ensual – 0,01
! C t i
M =C 1 ( 1 + i x t )
[
M =300 1 + 0,01 x
( )] 180 30
M =300 ( 1 + 0,01 x 6 ) M =300 ( 1,06 )=318
c) u valor valor el %. de /ulio /ulio del mismo mismo ao1 si se conside considera ra una tasa tasa de interés del %,& anual' DATO $ 31! 3 días 1!% anual – 0,1!
! t2 i
C =
M 1 +i x t
C =
318,00 1 + 0,18
( ) 93
360
1" 31 30 1"
Tiempo (acto )ulio A*osto +etie&'re -ctu're
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C =
318,00 1,0465
=303,87
2' !aría !aría otorg otorga a a edro edro un présta préstamo mo por $%.0 con vencim vencimien iento to en %0 meses a un interés del %,& anual desde la suscripci3n' suscripci3n' i edro paga su deuda +0 días antes de la ec5a de vencimiento1 calcule cual sería el valor del pago' *' DAT DATO ? $ 1.0,00 10 &eses / 30 300 días – 0 210 días 1!% anual – 0,1!
! C T # M =C ( 1+ i x t )
[
M =150 1 + 0,18 x
( )] 300 360
M =150 ( 1 + 0,18 x 0.83333333 ) M =150 ( 1,15 )=172,50 C =
C =
172,50 1 + 0.18
C =
M 1 + i ( t )
( )
172,50
( 1.045 )
C =165,071
90
360
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$ . 7% se&estral – 0,07
# # T
11 &eses / 30 330
C = C =
I i x t
95 , 00 0,07
C =
C =
( ) 330 180
95,00
0,07 (1,833333333 ) 95,00 0,128333333
=740,259
%4) 8na empresa pag3 $,.,'00 en intereses por un pagaré de $.00'00 al %,& anual' Calcule el tiempo trascurrido - el monto' C i # t !
DATO ".00,00 1!% annual – 0,1! $ !.!,00 ? ?
I x 360 t = Cxi
C =
C =
858,00 x 360 6500,00 x 0,18 308880,00 1170,00
=264 días
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[
M =6500,00 1 + 0,18 x
( )] 264 360
M =6500,00 ( 1 + 0,18 x 0,733333333) M =6500,00 ( 1,132 )=7358.00
%.)8na compaía invierte $ %.00'00 durante + meses1 por lo ue o"tiene un inter interés és de $%*. $%*.'0 '00' 0' Calcu Calcule le la tasa tasa de inter interés és anua anuall u ue e se le reconoci3'
DA-+ $ 1.00 &eses 270 días $ 13. i=
I C ∗T 135.00
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1" 5l 1. de 6unio una ersona reci'e una letra de ca&'io or $22000 a 240 días la8o y al 17% de de interés &ensual desde la suscrici9n alcule cu:l ser: el alor actual al 30 de setie&'re del &is&o ao, si se reconoce un interés del 1!% &ensual
DA-+ $ 22000 240 días 17% &ensual0017 C6lculo del monto ¿
M =C ( 1+ i t )
[
M =220.00 1 + 0.017 (
240 30
]
)
M =220.00 [ 1+ 0.017 ( 8 ) ]
M =220.00 ( 1.136 ) M =249.92
C6lculo del valor actual DATO ( $ 22000 1!% &ensual001! 107 días
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C =
C =
C =
C =
249.92 1 + 0.018
( )
249.92
107 30
1 + 0.018 ( 3.566666667 ) 249.92 1 +( 0.0642 ) 249.92 1.0642
C =234.84
%7)Calcule el valor actual de un documento de $,+00'001 treinta *0) días antes de su vencimiento1 si se considera una tasa de interés del %2& anual' DA-+ ( C =
C
M 1 + i ( t ) 68900.00
? $ "!0000 30 días 12% anual 0012
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C =68217.82
%,) 8na empresa comercial orece en venta rerigeradores rerigeradores cu-o precio de lista es de $.,0'001 con el %0& de cuota inicial - el saldo *0 meses de pla; pla;o1 o1 con una tasa de inter interés és del 2& mensu mensual' al' Calcu Calcule le la cuot cuota a mensual i/ i/a ue de"e pagar el cli cliente: te: a) por el mét método de acum acumul ulaci aci3n 3n de inte interes reses es
DATO
a' !étodo !étodo de acumu acumulac laci3n i3n de interé interés s
M =C ( 1+ i t )
[
M =522.00 1 + 0.02 ( M =522.00 ( 1 + 0.06 ) M =522.00 ( 1.06 )
M =835.20
900 30
)
]
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Cuotafija Cuota fija=27.84
"' !étodo !étodo de saldos saldos deudore deudores s Valor de la cuota cuota sin intereses =
C T
Valor de la cuota cuota sin intereses =
522.00 30
Valor de la cuota cuota sin intereses =17.40
#nterés pagadero en la primera cuota C: .2200 C: .2200 i: 2% i: 2% 002% T: 1 &es 30 días ¿ ¿
I =C i t
[
I =522.00 1 + 0.02 ( I =522.00 ( 1 + 0.02 ) I =522.00 ( 1.02 )
I =10.44
30 30
)
]
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saldos deudores' Calcule: a) la cuota mensual i/a ue de"e pagar el "eneiciario del préstamo> ") la tasa de interés real anual - c) la cuota mensual i/a por el método lagarto' a) la cuota cuota mensual mensual i/a ue ue de"e pagar pagar el "eneicia "eneiciario rio del préstamo' préstamo' DATO aital uota de de ca caital si sin in intereses ¿ ¿
I =C i t
[
¿
I =1800.00 1 0.015 (
30 30
I =1800.00 [ 1 0.015 ( 1 ) ] ¿
I =1800.00 ( 1.015 ) I =27.00
)
]
$1!0000 $1!0 1!00003 03" $.0 $.000 1 &es 30 días 1.%001.
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I =26.25
Pago de la segundacuota =Cuota Cuota de capital capital sin interes + Intereses Intereses Pago de la segunda cuota= 50.00 + 26.25
Pago de la segundacuota =76.25
Saldo Saldo de difer diferenc encia ia entr entre la primer primera a y segunda segunda cuota cuota=77.00−76.25
Saldo Saldo dedife de difere rencia ncia =0.75
C6lculo total de cuotas utili;ando la rogresi3n aritmética DATO U = a + ( n − 1 ) ( d )
8?ulti&o 8?ulti&o ter&ino
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S=
36 2
(77.00 + 50.75 )
S =18 ( 127.75)
S =2299.50
Cuota Cuota mensual mensual fija=
valo valorr total total de pagos pagos o cuot cuotas as nmer nmero o de pagos pagoso o cuotas cuotas
Cuota Cuota mensual mensual fija=
2299.50 36
Cuota Cuota mensual mensual fija fija= 63.875
"' Tasa asa de interés interés real real anual anual DATO 5l total de la cuota $ 220.0 – el caital de $1!0000$4.0 $4 .0
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t i
$1!0000 3" &eses10!0 días 1.% 001.
M =C [ 1 + i ( t ) ]
[
M =1800.00 1 + 0.015
( )] 1080 30
M =1800.00 ( 1.54 ) M =2772.00
Cuota Cuota fija mensual mensual=
M T
Cuota Cuota fija mensual mensual=
2772.00 36
Cuota Cuota !ija mensual mensual =77.00
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M =14500.00 ( 1.054 )
M =15283.00
@alor total del préstamo por mora ¿ ¿
I =C i t
[ ( )]
I =15283.00 0.02
60 30
I =15283.00 ( 0.04 ) I =611.32
Valor de pr"stamo =monto sin mora + Intereses Intereses por mora Valor de pr"stamo 15283.00 611.32
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Cuota inicial sin interes =
Cuota incial sin interes=
saldo saldo a pagar pagar del ve#ículo ve#ículo nmerode nmerode pagos pagos o cuotas cuotas
12000.00 30 meses
Cuotainici Cuota inicial al sin intereses= 400.00
#!(A C8OTA ¿ ¿
I =C i t
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Valor alor a pagar pagar de lasegunda lasegunda cuota cuota=Cuota sin inter"s + Inter"s
Valor da pagar pagar de lasegunda lasegunda cuota cuota =400.00 + 174.00 =574.00
Diferencia Diferencia entre la primera y segunda cuota = 580.00−574.00
Diferenciaentre Diferenciaentre la primera y segunda segunda cuota = 6.00
C6lculo total de cuotas utili;ando la progresi3n aritmética U = a + ( n − 1 ) ( d )
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S =14790.00
Cuota Cuota mensual mensual fija=
valo valorr total total de pagos pagos o cuot cuotas as nmer nmero o de pagos pagoso o cuotas cuotas
Cuota Cuota mensual mensual fija=
14790.00 30
Cuota Cuota mensual mensual fija= 493.00