Copia de Sesion 12 (Autoguardado)

MODELO FINANCIERO SENSIBLE

Intitucion Financiera I

Prestamo 23000

tasa 42%

Plazo 3

Comision 2.50%

Portes 9

Seguro de desg. 0.075%

TCO 8%

RESULTADO

MODELO FINAL SENSIBILIZABLE

MODELO FINANCIERO SENSIBLE

Intitucion Financiera II Intitucion Financiera II

23000 23000

42% 42%

3 3

2% 1%

10 11

0.075% 0.075%

8% 8%

MODELO FINAL SENSIBILIZABLE

RESULTADO

Intereses amortizaciones TCC VPN

Institucion Financiera I 1,364.02 23,000.00 5.5979% S/. 973.70

Institucion Finaciera II 1,377.30 23,000.00 5.1038% S/. 1,184.71

InstitucionFinanciera III 2,046.03 23,000.00 4.0881% S/. 2,318.72

PRESENTACION

If I

If II

If III

institucion financiera - metodo aleman

prestamo 23000tasa 42% tea 2.965254% templazo 3 mese

comision 2.50%portes 9

seguro de derg 0.075%tco 8%

amotizacion contantes 7666.667

perio interes amortizacion cuota capital final

0 23000 230001 23,000.00 682.01 7,666.67 8,348.68 15,333.332 15,333.33 454.67 7,666.67 8,121.34 7,666.673 7,666.67 227.34 7,666.67 7,894.00 0.00

24,364.02

capita inicial

RESULTADO

tcc 2.965254% tcc 5.5979%vpn S/. 0.00 vpn S/. 973.70

verif comision portes pago verif

23000 23000-8,348.68 575.00 9.00 17.25 8,949.93 -8,949.93-8,121.34 383.33 9.00 11.50 8,525.17 -8,525.17-7,894.00 191.67 9.00 5.75 8,100.42 -8,100.42

25,575.52

seguro de desgr

institucion financiera - metodo frances




Cuotas Constantes S/. 8,125.77


0 23000 230001 23,000.00 682.01 7,443.76 8,125.77 15,556.242 15,556.24 461.28 7,664.48 8,125.77 7,891.763 7,891.76 234.01 7,891.76 8,125.77 0.00

24,377.30

capita inicial

tcc 2.965254% tcc 5.1038%vpn S/. 0.00 vpn S/. 1,184.71


23000 23000-8,125.77 460.00 10.00 17.25 8,613.02 -8,613.02-8,125.77 311.12 10.00 11.67 8,458.56 -8,458.56-8,125.77 157.84 10.00 5.92 8,299.52 -8,299.52

25,371.10

seguro de desgr

institucion financiera - metodo Americano




Cuotas Constantes S/. 8,125.77


0 23000 230001 23,000.00 682.01 682.01 23,000.002 23,000.00 682.01 682.01 23,000.003 23,000.00 682.01 23,000.00 23,682.01 0.00

25,046.03

capita inicial

tcc 2.965254% tcc 4.0881%vpn S/. 0.00 vpn S/. 2,318.72


23000 23000-682.01 230.00 11.00 17.25 940.26 -940.26-682.01 230.00 11.00 17.25 940.26 -940.26

-23,682.01 230.00 11.00 17.25 23,940.26 -23,940.2625,820.78

seguro de desgr

FACTORES FINANCIERO

DATOS Co 50000Cn 68,846.60 n 12 mesei 32% TNA cap. Dia 0.000888888889R 4933.97

modelo Concepto Calculo Variable

FSC (1+i)^n 1.3769320360624 Cn

FCS (1+i)^n-1/i 13.9536038 Cn

FSA 1/(1+i)^n 0.726252257780049 Co

FAS ((1+i)^n-1/i*(1+i)^n 10.1338363 Co

FRC i*(1+i)^n/((1+i)^n-1) 0.098679 R|

FDFA i/((1+i)^n-1) 0.0716661 R

FACTORES FINANCIERO

TED 2.70% TEM

Resultado por for Resultado por fun.68,846.60 S/. 68,846.60

68,846.60 S/. 68,846.60

50,000.00 S/. 50,000.00

50,000.00 S/. 50,000.00

4,933.97 S/. 4,933.97

4,933.97 S/. 4,933.97

Modelo Financiero Sensible Casa Comercial

Casa Comercial I Casa Comercial II

Precio de lista 1840 1885

Tasa cuota inicial 20% 30%

Cuota Inicial 368.00 565.5

Plazo 12 12

Tasa 4% 3.50%

Descuento pago contado 15% 18%

Precios Cash 1564 1545.7

Valor del Mercado 1536 1536

Modelo Financiero Sensible Casas Comerciales

Modelo Financiero Sensible Casa Comercial

Casa Comercial III IF B

1920 Prestamo 1706.67

20% TEA 5%

384 Plazos 12

12 Tasa retencion 10%

4% Retencion 170.67

20% Comicion 0%

1536 Portes 0%

1536 Seguro de desg. 0%

TCO 8%



interes simple

Casa comercial II

Datos

Valor de lista 1840

tasa de interes 4%

Plazo 12 meses

tasa cuota inicial 20%

Cuota inicial 368.00

Monto generado 2,178.56 Cn

cuota flat 181.55

Valor de mercado 1536

TCO 8%

Modelo TCC 11%VPN -200.15

Periodo Interes Cuota Saldo al final Verif

0 1,472.00 1,472.00 1,168.00 1 1,472.00 58.88 122.67 181.55 1,349.33 -181.55 2 1,349.33 58.88 122.67 181.55 1,226.67 -181.55 3 1,226.67 58.88 122.67 181.55 1,104.00 -181.55 4 1,104.00 58.88 122.67 181.55 981.33 -181.55 5 981.33 58.88 122.67 181.55 858.67 -181.55 6 858.67 58.88 122.67 181.55 736.00 -181.55 7 736.00 58.88 122.67 181.55 613.33 -181.55 8 613.33 58.88 122.67 181.55 490.67 -181.55 9 490.67 58.88 122.67 181.55 368.00 -181.55

10 368.00 58.88 122.67 181.55 245.33 -181.55 11 245.33 58.88 122.67 181.55 122.67 -181.55 12 122.67 58.88 122.67 181.55 0.00 -181.55

706.56 1,472.00 2,178.56 -2,178.56

Saldo al inicio

Amortizacion

cronograma fecha de pago

interes simple

Casa comercial I

Datos

Valor de lista 1885

tasa de interes 3.5%

Plazo 12 meses




cuota flat 156.14


TCO 8%

Modelo TCC 11.93%VPN -206.19


0 1,319.50 1,319.50 970.50 1 1,319.50 46.18 109.96 156.14 1,209.54 -156.14 2 1,209.54 46.18 109.96 156.14 1,099.58 -156.14 3 1,099.58 46.18 109.96 156.14 989.63 -156.14 4 989.63 46.18 109.96 156.14 879.67 -156.14 5 879.67 46.18 109.96 156.14 769.71 -156.14 6 769.71 46.18 109.96 156.14 659.75 -156.14 7 659.75 46.18 109.96 156.14 549.79 -156.14 8 549.79 46.18 109.96 156.14 439.83 -156.14 9 439.83 46.18 109.96 156.14 329.88 -156.14

10 329.88 46.18 109.96 156.14 219.92 -156.14 11 219.92 46.18 109.96 156.14 109.96 -156.14 12 109.96 46.18 109.96 156.14 0.00 -156.14

554.19 1,319.50 1,873.69 -1,873.69

Saldo al inicio

Amortizacion


interes simple

Casa comercial III

Datos

Valor de lista 1920


Plazo 12 meses




cuota flat 189.44


TCO 8%

Modelo TCC 12.40%VPN -275.63


0 1,536.00 1,536.00 1,152.00 1 1,536.00 61.44 128.00 189.44 1,408.00 -189.44 2 1,408.00 61.44 128.00 189.44 1,280.00 -189.44 3 1,280.00 61.44 128.00 189.44 1,152.00 -189.44 4 1,152.00 61.44 128.00 189.44 1,024.00 -189.44 5 1,024.00 61.44 128.00 189.44 896.00 -189.44 6 896.00 61.44 128.00 189.44 768.00 -189.44 7 768.00 61.44 128.00 189.44 640.00 -189.44 8 640.00 61.44 128.00 189.44 512.00 -189.44 9 512.00 61.44 128.00 189.44 384.00 -189.44

10 384.00 61.44 128.00 189.44 256.00 -189.44 11 256.00 61.44 128.00 189.44 128.00 -189.44 12 128.00 61.44 128.00 189.44 0.00 -189.44

Saldo al inicio

Amortizacion


interes simple

Casa comercial I

Datos

Monto solicitado 1706.67


Plazo 12 meses

Tasa de retencion 10%

Retencion 170.67

Comision 0.00%

Portes 0%

Seguro desg. 0.00%

Valor de Mercado 1,536.00

Cuota cons. S/. 192.56

TCO 8%

Modelo TCCVPN

Periodo Interes Cuota Saldo al final

0 1,706.67 1,706.67 1 1,706.67 85.33 107.22 S/. 192.56 1,599.44 2 1,599.44 79.97 112.58 S/. 192.56 1,486.86 3 1,486.86 74.34 118.21 S/. 192.56 1,368.65 4 1,368.65 68.43 124.12 S/. 192.56 1,244.53 5 1,244.53 62.23 130.33 S/. 192.56 1,114.20 6 1,114.20 55.71 136.85 S/. 192.56 977.35 7 977.35 48.87 143.69 S/. 192.56 833.66 8 833.66 41.68 150.87 S/. 192.56 682.79 9 682.79 34.14 158.42 S/. 192.56 524.38

10 524.38 26.22 166.34 S/. 192.56 358.04

Saldo al inicio

Amortizacion

11 358.04 17.90 174.65 S/. 192.56 183.39 12 183.39 9.17 183.39 S/. 192.56 -

#NAME?

5.00% TCC 5.92%VPN S/. 152.66

Verif Retencion Comision Portes Seguro Pago Verif. cronograma

1,706.67 170.67 1,536.00 -192.56 - - - S/. 192.56 S/. -192.56 -192.56 - - - S/. 192.56 S/. -192.56 -192.56 - - - S/. 192.56 S/. -192.56 -192.56 - - - S/. 192.56 S/. -192.56 -192.56 - - - S/. 192.56 S/. -192.56 -192.56 - - - S/. 192.56 S/. -192.56 -192.56 - - - S/. 192.56 S/. -192.56 -192.56 - - - S/. 192.56 S/. -192.56 -192.56 - - - S/. 192.56 S/. -192.56 -192.56 - - - S/. 192.56 S/. -192.56

-192.56 - - - S/. 192.56 S/. -192.56S/. -192.56 -170.67 - - - S/. 21.89 S/. -21.89

fecha de pago

RESULTADO

Interes Pagos

Casa Comercial I 706.56 2,178.56

Caso Comercial II 554.19 1,873.69

CasaComercial III 737.28 2,273.28

Intitucion Financiera bancaria 604.00 S/. 2,140.00

Resultado

RESULTADO

TCC VPN

11% -200.149844

11.93% -206.189502

12.40% -275.63462

5.92% 152.661817

Resultado

Copia de Sesion 12 (Autoguardado)

Documents