casos finan

7/24/2019 Casos Finan

1/24

CASOS D

BANCO DE CREDITO DEL PERU

PRESTAMO 500,000.00 TEA 12.% PLAZO 4 AOS

CALCULO DE LA CUOTA

CUOTA = 500,000.00 (1.404928) 0.12

1.404928 1

CUOTA 99812.00

CALCULO DEL CRONOGRAMA

N SALDO IINTERES CAPITAL CUOTA

01 500,000.00 !0000.00 !0,000.00

02 500,000.00 !0000.00 148,1"4.00 208,1"4.00

0# #51,82!.00 42219.00 1!5,955.00 208,1"4.00

04 185,8"1.00 22#05.00 185,8"1.00 208,1"4.00

TOTAL 184524 500,000.00 684,522.00

FLUJO DE EGRESOS

ESCUDO FISCAL 30

CUOTA INTERES RECIACION RENTA FEC

!0,000.00 !0000.00 100,000.00 48,000.00 12,000.00

208,1"4.00 !0000.00 100,000.00 48,000.00 1!0,1"4.00

208,1"4.00 42219.00 100,000.00 42,!!5."0 1!5,508.#0

208,1"4.00 22#05.00 100,000.00 #!,!91.50 1"1,482.50

0.00 0.00 100,000.00 #0,000.00 #0,000.00

684,522.00 184524 500,000.00 205,35!.20 4!9,164.80

1 1 0.80

SOLUCION PREGUNTA 01

(1$)& = (1.12)# 0.12

(1$)&1 (1.12)#1

FSA1 =

(1$)1 (1$0.25)1


2/24

1 1 0.!4

1 1 0.512

1 1 0.409!

1 1 0.#2"!8

CAJA SULLANA

PRESTAMO 500,000.00 TEA 15.% PLAZO 5 AOS

COMISION FIAT 5,000.00

495,000.00DEUDA '(500000199$500000)=505051

1.1 CALCULO DE LA CUOTA

CUOTA = 505,051.00 (2.011#5"1) 0.15

2.011#5"1 1

CUOTA 150665.00

2.2 CALCULO DEL CRONOGRAMA


00 505,051.00 5051.00 5,051.00

01 505,051.00 "5"58.00 "4,90".00 150,!!5.00

02 4#0,144.00 !4522.00 8!,14#.00 150,!!5.00

0# #44,001.00 51!00.00 99,0!5.00 150,!!5.00

04 244,9#!.00 #!"40.00 11#,925.00 150,!!5.0005 1#1,011.00 19!52.00 1#1,011.00 150,!!5.00

TOTAL 253323 505,051.00 !58,3!6.00

FSA2

(1$)2 (1$0.25)2

FSA#

(1$)# (1$0.25)#

FSA4

(1$)4 (1$0.25)4

FSA5

(1$)5 (1$0.25)5

(1$)& = (1.15)5 0.15

(1$)&1 (1.15)51


3/24

2.3 FLUJO DE EGRESOS

ESCUDO FISCAL 30

CUOTA INTERES RECIACION RENTA FEC

5,051.00 5051.00 5,051.00

150,!!5.00 "5"58.00 100,000.00 54,242."0 9!,422.#0

150,!!5.00 !4522.00 100,000.00 49,#5!.!0 101,#08.40

150,!!5.00 51!00.00 100,000.00 45,480.00 105,185.00

150,!!5.00 #!"40.00 100,000.00 41,022.00 109,!4#.00

150,!!5.00 19!52.00 100,000.00 #5,895.!0 114,"!9.40

!58,3!6.00 253323 500,000.00 225,996.90 532,3!9.10

1 1 0.80

1 1 0.!4

1 1 0.512

1 1 0.409!

1 1 0.#2"!8

LEASING 30

N CUOTA RENTA FEC FACTOR

0 150,000.00 0 150,000.00 1

1 150,000.00 45000 105,000.00 0.8

2 150,000.00 45000 105,000.00 0.!9

# 150,000.00 45000 105,000.00 0.51

4 0.00 45000 45,000.00 0.41

600,000.00 180000 420,000.00

R"#$. S% &%'()*%+$ %- +$+'*$)*%+#( %- BCP "(&/% %#% -% %+%&

FSA1 =

(1$)1 (1$0.25)1

FSA2

(1$)2 (1$0.25)2

FSA#

(1$)# (1$0.25)#

FSA4

(1$)4 (1$0.25)4

FSA5

(1$)5 (1$0.25)5


4/24

E FINANCIAMIENTO

PERIODO *RACIA 1 AO

0.1!8591# 0.41!#488#

0.404928

FACTOR FECA

0.80 9,!00.00

0.!4 102,511.#!

0.51 84,409.2#

0.41 "0,#0".8#

0.## 9,900.00

2.69 256,928.42


5/24

COMSION FIAT ' 1%

0.#01"0#5!5 0.298#155"

1.011#5"1


6/24

FACTOR FECA

2,041.00

0.80 "",1#".84

0.!4 !4,8#".#8

0.51 5#,!44.#5

0.41 44,95#.!#

0.## #",8"#.90

2.69 280,488.10

FECA

150000

84000

"2450

5#550

18450

341550

)%+( $-*$ % *+%&(.


7/24

SOLUCION P

BANCO DE CREDITO DEL PERU

LINEA CREDITO #!0,000.00 TEA 15.% PLAZO 4 AOSPRESTAMO #00,000.00

CALCULO DE LA CUOTA

CUOTA = #00,000.00 (1.5208"5) 0.15

1.5208"5 1

CUOTA 131293.00



01 #00,000.00 45000.00 45,000.00

02 #00,000.00 45000.00 8!,29#.00 1#1,29#.00

0# 21#,"0".00 #205!.00 99,2#".00 1#1,29#.00

04 114,4"0.00 1"1"1.00 114,4"0.00 1#1,29#.00

TOTAL 13922! 300,000.00 438,8!9.00

FLUJO DE EGRESOS

ESCUDO FISCAL 30

CUOTA INTERESRECIACION RENTA FEC

45,000.00 45000.00 !0,000.00 #1,500.00 1#,500.00

1#1,29#.00 45000.00 !0,000.00 #1,500.00 99,"9#.00

1#1,29#.00 #205!.00 !0,000.00 2",!1!.80 10#,!"!.20

1#1,29#.00 1"1"1.00 !0,000.00 2#,151.#0 108,141."0

0.00 0.00 !0,000.00 18,000.00 18,000.00

438,8!9.00 13922! 131,!68.10 30!,110.90

1 1 0.80

1 1 0.!4

(1$)& = (1.15)# 0.15

(1$)&1 (1.15)#1

FSA1 =

(1$)1 (1$0.25)1

FSA2

(1$)2 (1$0.25)2


8/24

1 1 0.512

1 1 0.409!

1 1 0.#2"!8

CAJA SULLANA

PRESTAMO #00,000.00 TEA 20.% PLAZO 5 AOS

COMISION FIAT #,000.00

29",000.00

DEUDA '(#00000199$#00000)=#0#0#0

1.1 CALCULO DE LA CUOTA

CUOTA = #0#,0#0.00 (2.488#2) 0.20

2.488#2 1

CUOTA 10132!.00

2.2 CALCULO DEL CRONOGRAMA


00 #0#,0#0.00 #0#0.00 #,0#0.00

01 #0#,0#0.00 !0!0!.00 40,"21.00 101,#2".00

02 2!2,#09.00 524!2.00 48,8!5.00 101,#2".00

0# 21#,444.00 42!89.00 58,!#8.00 101,#2".00

04 154,80!.00 #09!1.00 "0,#!!.00 101,#2".00

05 84,440.00 1!888.00 84,4#9.00 101,#2".00

TOTAL 206636.48 303,030.00 509,665.00


ESCUDO FISCAL 30


#,0#0.00 #0#0.00 #,0#0.00

101,#2".00 !0!0!.00 !0,000.00 #",090.80 !4,2#!.20

101,#2".00 524!2.00 !0,000.00 ##,"#8.!0 !",588.40

FSA#

(1$)# (1$0.25)#

FSA4

(1$)4 (1$0.25)4

FSA5

(1$)5 (1$0.25)5

(1$)& = (1.20)5 0.20

(1$)&1 (1.20)51


9/24

101,#2".00 42!89.00 !0,000.00 #0,80!."0 "0,520.#0

101,#2".00 #09!1.00 !0,000.00 2",288.#0 "4,0#8."0

101,#2".00 1!888.00 !0,000.00 2#,0!!.40 "8,2!0.!0

509,665.00 206636 151,990.80 35!,6!4.20

1 1 0.80

1 1 0.!4

1 1 0.512

1 1 0.409!

1 1 0.#2"!8

LEASING 30


0 "5,000.00 0 "5,000.00 1

1 "5,000.00 22500 52,500.00 0.82 "5,000.00 22500 52,500.00 0.!9

# "5,000.00 22500 52,500.00 0.51

4 "5,000.00 22500 52,500.00 0.51

5 0.00 22500 22,500.00 0.41

3!5,000.00 112500 262,500.00

R"#$. S% &%'()*%+$ %- +$+'*$)*%+#( %- BCP "(&/% -% %+%&$ )%+

FSA1 =

(1$)1 (1$0.25)1

FSA2

(1$)2 (1$0.25)2

FSA#

(1$)# (1$0.25)#

FSA4

(1$)4 (1$0.25)4

FSA5

(1$)5 (1$0.25)5


10/24

EGUNTA 02

PERIODO *RACIA 1 AO

0.2281#125 0.4#"9"!!21 131392.99

0.5208"5405

FACTOR FECA

0.80 10,800.00

0.!4 !#,8!".52

0.51 52,8"4.8!

0.41 44,##8.10

0.## 5,940.00

2.69 165,940.48


11/24

COMSION FIAT ' 1%

0.49"!!4 0.##4#"9"0# 10132!.08

1.488#2

FACTOR FECA

2,041.00

0.80 51,#88.9!

0.!4 4#,25!.58


12/24

0.51 #5,9!5.#5

0.41 #0,#55.8"

0.## 25,82!.00

2.69 188,833.!5

FECA

"5000

42000#!225

2!""5

2!""5

9225

19!550

$-*$ % *+%&(.


13/24

SOLUCION PREGUNTA

CMAC

PRESTAMO #00,000.00 TEA 18.% PLAZO 4 AOS

CALCULO DE LA CUOTA

CUOTA = #00,000.00 (1.!4#0#2) 0.18

1.!4#0#2 1

CUOTA 13!9!!.00



01 #00,000.00 54000.00 54,000.00

02 #00,000.00 54000.00 8#,9"".00 1#",9"".00

0# 21!,02#.00 #8884.00 99,09#.00 1#",9"".00

04 11!,9#0.00 2104".00 11!,9#0.00 1#",9"".00

TOTAL 16!931 300,000.00 46!,931.00

FLUJO DE EGRESOS

ESCUDO FISCAL 30


54,000.00 54000.00 "5,000.00 #8,"00.00 15,#00.00

1#",9"".00 54000.00 "5,000.00 #8,"00.00 99,2"".00

1#",9"".00 #8884.00 "5,000.00 #4,1!5.20 10#,811.80

1#",9"".00 2104".00 "5,000.00 28,814.10 109,1!2.90

46!,931.00 16!931 140,3!9.30 32!,551.!0

1 1 0.8#

1 1 0.!94444444

1 1 0.5"8"0#"04

(1$)& = (1.18)# 0.18

(1$)&1 (1.18)#1

FSA1 =

(1$)1 (1$0.20)1

FSA2

(1$)2 (1$0.20)2

FSA#


14/24

1 1 0.48225#08!

LEASING 30


0 100,000.00 0 100,000.00 1

1 100,000.00 0 100,000.00 0.8#

2 100,000.00 0 100,000.00 0.!9

# 100,000.00 0 100,000.00 0.58

5 0.00 0 0.00 0.48

400,000.00 0 400,000.00

R"#$.* % &%'()*%+$ %- +$+'*$)*%+#( % -$ CMAC.

(1$)# (1$0.20)#

FSA4

(1$)4 (1$0.20)4


15/24

3

1 AO PERIODO DE *RACIA

0.295"45"! 0.45992#8!1 13!9!!.16

0.!4#0#2

FACTOR FECA

0.8# 12,!99.00

0.!9 !8,501.1#

0.58 !0,210.84

0.48 52,#98.19

2.58 193,809.1!


16/24

FECA

100000

8#000

!9000

58000

0

310000


17/24

SOLUCION PR

LEASING 30

N CUOTA RENTA FEC FACTOR0 250,000.00 0 250,000.00 1

1 250,000.00 "5000 1"5,000.00 0."8

2 250,000.00 "5000 1"5,000.00 0.!1

# 250,000.00 "5000 1"5,000.00 0.48

5 0.00 "5000 "5,000.00 0.#"

300000 !00,000.00

1 1 0."8

1 1 0.!10#515!#

1 1 0.4"!8#"158

1 1 0.#"25290#

BANCO FINANCIERO

LINEA CREDIT 1,000,000.00 TEA 14.% PLAZO 5 AOS

PRESTAMO 800,000.00

CALCULO DE LA CUOTA

CUOTA = 800,000.00 (1.!889!01!) 0.141.!889!01! 1

CUOTA 2!4564.00



01 800,000.00 112000.00 112,000.00

02 800,000.00 112000.00 1!2,5!4.00 2"4,5!4.000# !#",4#!.00 89241.00 185,#2#.00 2"4,5!4.00

04 452,11#.00 !#29!.00 211,2!8.00 2"4,5!4.00

FSA1 =

(1$)1 (1$0.28)1

FSA2

(1$)2 (1$0.28)2

FSA#

(1$)# (1$0.28)#

FSA4(1$)4 (1$0.28)4

(1$)& = (1.14)4 0.14(1$)&1 (1.14)4 1


18/24

05 240,845.00 ##"18.00 240,84!.00 2"4,5!4.00

TOTAL 410255.00 800,001.00 1,210,256.00

FLUJO DE EGRESOS

ESCUDO FISCAL 30CUOTA INTERES PRECIACION RENTA FEC

112,000.00 112000.00 200,000.00 9#,!00.00 18,400.00

2"4,5!4.00 112000.00 200,000.00 9#,!00.00 180,9!4.00

2"4,5!4.00 89241.00 200,000.00 8!,""2.#0 18","91."0

2"4,5!4.00 !#29!.00 200,000.00 "8,988.80 195,5"5.20

2"4,5!4.00 ##"18.00 0.00 10,115.40 2!4,448.!0

410255.00 800,000.00 363,0!6.50 84!,1!9.50

1 1 0."8

1 1 0.!10#515!#

1 1 0.4"!8#"158

1 1 0.#"25290#

1 1 0.291044"81

FINANCIERA RAI

PRESTAMO 800,000.00 TEA 12.% PLAZO 4 AOSCOMISION FIA 1!,000.00

"84,000.00

DEUDA '(800000298$800000)=81!#2"

CALCULO DE LA CUOTA

CUOTA = 81!,#2".00 (1.5"#519#!) 0.12

1.5"#519#! 1

CUOTA 268!63.00

FSA1 =

(1$)1 (1$0.28)1

FSA2

(1$)2 (1$0.28)2

FSA#

(1$)# (1$0.28)#

FSA4

(1$)4 (1$0.28)4

FSA5

(1$)5 (1$0.28)5

(1$)& = (1.12)4 0.12

(1$)&1 (1.12)4 1


19/24



00 81!,#2".00 1!#2".00 1!,#2".0001 81!,#2".00 9"959.00 1"0,804.00 2!8,"!#.00

02 !45,52#.00 ""4!#.00 191,#00.00 2!8,"!#.00

0# 454,22#.00 5450".00 214,25!.00 2!8,"!#.00

04 2#9,9!".00 28"9!.00 2#9,9!".00 2!8,"!#.00

TOTAL 2!5052.48 816,32!.00 1,091,3!9.00


ESCUDO FISCAL 30CUOTA INTERES PRECIACION RENTA FEC

1!,#2".00 1!#2".00 1!,#2".00

2!8,"!#.00 9"959.00 200,000.00 94,285.80 1"4,4"".20

2!8,"!#.00 ""4!#.00 200,000.00 8#,2#8.90 185,524.10

2!8,"!#.00 5450".00 200,000.00 "!,#52.10 192,410.90

2!8,"!#.00 28"9!.00 200,000.00 !8,!#8.80 200,124.20

2!5052.00 800,000.00 322,515.60 !68,863.40

1 1 0.80

1 1 0.!4

1 1 0.512

1 1 0.409!

LEASING 30


0 250,000.00 0 250,000.00 1

1 250,000.00 "5000 1"5,000.00 0."8

2 250,000.00 "5000 1"5,000.00 0.!1

# 250,000.00 "5000 1"5,000.00 0.485 0.00 "5000 "5,000.00 0.#"

300000 !00,000.00

FSA1 =

(1$)1 (1$0.25)1

FSA2

(1$)2 (1$0.25)2

FSA#

(1$)# (1$0.25)#

FSA4

(1$)4 (1$0.25)4


20/24

R"#$. S% &%'()*%+$ %- +$+'*$)*%+#( %- BANCO FINANCIERO "(&/


21/24

GUNTA 04

FECA250000

1#!500

10!"50

84000

2""50

549500

PERIODO *RACIA 1 AO

0.2#!454422 0.#4#204"8# 2!4563.83

0.!889!01!


22/24

FACTOR FECA

0."8 14,#52.00

0.!1 110,#88.04

0.48 90,140.02

0.#" "2,#!2.82

0.29 "!,!90.09

2.53 363,932.9!

COMSION FIAT ' 2%

0.188822#2# 0.#292#44#! 268!62.96

0.5"#519#!


23/24

FACTOR FECA

1.00 2,041.00

0."8 1#!,092.22

0.!1 11#,1!9."0

0.48 92,#5".2#

0.#" "4,045.95

41!,!06.10

FECA

250000

1#!500

10!"50

840002""50

549500


24/24

-% %+%&$ )%+( $-*$ % *+%&(.

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