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SFRALUSA

SISTEMA FINANCIERO RAFAEL LUCAS SALAS

INTERES SIMPLE VALOR PRESENTE

INTERES COMPUESTO TASA I. EFECTIVA


USA
EL LUCAS SALAS

SENTE VALOR FUTURO

ECTIVA RENTA
MENU
INTERES SIMP

1 si solicicitamos un credito de 15000000 pesos durante 2 años a una tasa de inte


dinero se pagara al final del periodo.

1) I=P*i*n
P= 15,000,000 2) F=P+I
I= 22 0.22 3) F=P(1+in)
n= 2
F= ?

F= 21,600,000
NTERES SIMPLE

2 años a una tasa de interes simple de 22% anual cuanto


al final del periodo.
MENU INTERES COMPUE

1 cuanto se tendra al final de 6 mese al depositar 11000000 en una identidad fina


mensual

Monto (Capital +
Mes Capital Intereses intereses)
1 21,000,000 588,000 21,588,000
2 21,588,000 604,464 22,192,464
3 22,192,464 621,389 22,813,853
4 22,813,853 638,788 23,452,641
5 23,452,641 656,674 24,109,315
6 24,109,315 675,061 24,784,376
RES COMPUESTO

una identidad financiera que reconoce intereses del 2,8%


ual

F= P(1+I)^N

P= 21,000,000
N= 6 MESES 6
I= 2.80% 0.028
F= ?

F= 24,784,376
MENU
vp

1 ana necesita disponer de 9,000,000 dentro de 6 meses para el pago del 1°semestre de s
ofrece una tasa del 2,8% mensual. ¿cuanto debe deposita

NOTACION ESTADAR
VP= VF(VF/VP,I%,N)

VF= 9,000,000
I= 2.80%
N= 6 MESES
VP= ?

VP= $7,625,772.09

2 una persona necesita disponer de $4,000,000 dentro de 6 meses para el pago de la matricu
tase del 3% mensual ¿Cuánto debe depositar hoy

NOTACION ESTADAR
VP= VF(VF/VP,I%,N)

VF= 4,000,000
I= 3%
N= 6 MESES
VP= ?

VP= $3,349,937.03
vp
go del 1°semestre de su maestria. Si el banco estudiantil le
¿cuanto debe depositar hoy?

a el pago de la matricula de su hijo. Si su banco le ofrece una


o debe depositar hoy
MENU
vf

1 una persona toma unprestamo de $3.349.937,03 al 3% mensual para pagarlo en 6 me

NOTACION ESTADAR
VP= VF(VF/VP,I%,N)

VF= 3,349,937
I= 3%
N= 6 MESES
VF= ?

VF= $4,000,000.00
vf

para pagarlo en 6 meses ¿ cuanto debe pagar esa persona al final del periodo?
MENU
TASA INTERES EFECTIVA

CONVERSION DE TASAS NOMINALES A EFECTIVAS

1 dada una tasa del 9% mensual anticipada (mensual pagadera por meses anticipado) en
mensual anticipado efectiva equivalente (mensual pagadera por meses ven

ia= 9% mensual antisipada

i= ? ia/(1-ia) mensual efectiva

i= 9.89% mensual efectiva

2 apartir de una tasa 36% anual con capitalizacion mensual vencidad calcular la tas

ia= 36% anual vencidos


i= ?
ia= 3% mensual vencidos

i= 0.425760887 anual efectiva

2 encontrar una tasa de interes anual pagadera por quincenas anticipadas, equiv
mensual

ia= 3%
i= ?
ia 0%
i= 3%
VA

FECTIVAS

meses anticipado) encontrar una tasa


adera por meses vencidos)

cidad calcular la tasa efectiva anual.

s anticipadas, equivalente al 3,2%


RENTA O ANUALI

mese saldo inicial cuota intereces


VP= 25,000,000 $1 $25,000,000 $634,836 $375,000
I= 1.50% $2 $24,740,164 $634,836 $371,102
n= 60 3 $24,476,431 $634,836 $367,146
r= ? 4 $24,208,742 $634,836 $363,131
5 $23,937,037 $634,836 $359,056
6 $23,661,257 $634,836 $354,919
7 $23,381,340 $634,836 $350,720
8 $23,097,225 $634,836 $346,458
9 $22,808,847 $634,836 $342,133
10 $22,516,144 $634,836 $337,742
11 $22,219,051 $634,836 $333,286
12 $21,917,501 $634,836 $328,763
13 $21,611,428 $634,836 $324,171
14 $21,300,764 $634,836 $319,511
15 $20,985,439 $634,836 $314,782
16 $20,665,385 $634,836 $309,981
17 $20,340,530 $634,836 $305,108
18 $20,010,803 $634,836 $300,162
19 $19,676,129 $634,836 $295,142
20 $19,336,435 $634,836 $290,047
21 $18,991,646 $634,836 $284,875
22 $18,641,685 $634,836 $279,625
23 $18,286,475 $634,836 $274,297
24 $17,925,936 $634,836 $268,889
25 $17,559,989 $634,836 $263,400
26 $17,188,554 $634,836 $257,828
27 $16,811,546 $634,836 $252,173
28 $16,428,884 $634,836 $246,433
29 $16,040,481 $634,836 $240,607
30 $15,646,253 $634,836 $234,694
31 $15,246,111 $634,836 $228,692
32 $14,839,967 $634,836 $222,600
33 $14,427,731 $634,836 $216,416
34 $14,009,311 $634,836 $210,140
35 $13,584,615 $634,836 $203,769
36 $13,153,549 $634,836 $197,303
37 $12,716,016 $634,836 $190,740
38 $12,271,921 $634,836 $184,079
39 $11,821,164 $634,836 $177,317
40 $11,363,646 $634,836 $170,455
41 $10,899,265 $634,836 $163,489
42 $10,427,918 $634,836 $156,419
43 $9,949,501 $634,836 $149,243
44 $9,463,908 $634,836 $141,959
45 $8,971,031 $634,836 $134,565
46 $8,470,760 $634,836 $127,061
47 $7,962,986 $634,836 $119,445
48 $7,447,595 $634,836 $111,714
49 $6,924,474 $634,836 $103,867
50 $6,393,505 $634,836 $95,903
51 $5,854,572 $634,836 $87,819
52 $5,307,555 $634,836 $79,613
53 $4,752,332 $634,836 $71,285
54 $4,188,782 $634,836 $62,832
55 $3,616,778 $634,836 $54,252
56 $3,036,194 $634,836 $45,543
57 $2,446,901 $634,836 $36,704
58 $1,848,769 $634,836 $27,732
59 $1,241,665 $634,836 $18,625
60 $625,454 $634,836 $9,382
RENTA O ANUALIDADES

amortisacion saldo final


$259,836 $24,740,164
$263,733 $24,476,431
$267,689 $24,208,742
$271,705 $23,937,037
$275,780 $23,661,257
$279,917 $23,381,340
$284,116 $23,097,225
$288,377 $22,808,847
$292,703 $22,516,144
$297,094 $22,219,051
$301,550 $21,917,501
$306,073 $21,611,428
$310,664 $21,300,764
$315,324 $20,985,439
$320,054 $20,665,385
$324,855 $20,340,530
$329,728 $20,010,803
$334,674 $19,676,129
$339,694 $19,336,435
$344,789 $18,991,646
$349,961 $18,641,685
$355,210 $18,286,475
$360,539 $17,925,936
$365,947 $17,559,989
$371,436 $17,188,554
$377,007 $16,811,546
$382,662 $16,428,884
$388,402 $16,040,481
$394,228 $15,646,253
$400,142 $15,246,111
$406,144 $14,839,967
$412,236 $14,427,731
$418,420 $14,009,311
$424,696 $13,584,615
$431,066 $13,153,549
$437,532 $12,716,016
$444,095 $12,271,921
$450,757 $11,821,164
$457,518 $11,363,646
$464,381 $10,899,265
$471,347 $10,427,918
$478,417 $9,949,501
$485,593 $9,463,908
$492,877 $8,971,031
$500,270 $8,470,760
$507,774 $7,962,986
$515,391 $7,447,595
$523,122 $6,924,474
$530,969 $6,393,505
$538,933 $5,854,572
$547,017 $5,307,555
$555,222 $4,752,332
$563,551 $4,188,782
$572,004 $3,616,778
$580,584 $3,036,194
$589,293 $2,446,901
$598,132 $1,848,769
$607,104 $1,241,665
$616,211 $625,454
$625,454 $0
SE PRESENTA LA ALTERNATIVAS DE INCVERCION AB Y C DETERMINE CUAL ES LA MEJOR EN FUNCION DE METOD

INVERSION - 30 - 30 - 30
1 7
2 8
3 9
4 10
5 11
TOTAL #NAME?
A MEJOR EN FUNCION DE METODO VPN. CONSIDERE COMO TASA MINIMO DE RENDIMIENTO DESEADO PARA DESCONTAR LOS FLUJOS DE
PARA DESCONTAR LOS FLUJOS DE EFECTIVO 15%

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