Ejercicios de plan de pagos
lucasserv07Práctica o problema22 de Abril de 2023
1.289 Palabras (6 Páginas)319 Visitas
RESOLUCIÓN DE EJERCICIOS PROPUESTOS DE PLAN DE PAGOS DE LA DEUDA
- Se solicita un préstamo de S/. 80,000. para ser cancelado en cuotas semestrales crecientes durante 3 años, a una tasa del 3% trimestral. Preparar el plan de pagos de cuotas crecientes.
DATOS:
P = 80,000.00[pic 1]
n = 3 años x 2 = 6 semestres
i = 3% trimestral x 2 = 6% semestral
R = ¿? Cuotas semestrales
N | Deuda | Proporción | Amortización | Interés | Total a pagar |
1 | 80,000.00 | 1/21 | 3,809.52 | 4,800.00 | 8,609.52 |
2 | 76,190.48 | 2/21 | 7,619.04 | 4,571.43 | 12,190.47 |
3 | 68,571.44 | 3/21 | 11,428.56 | 4,114.29 | 15,542.85 |
4 | 57,142.88 | 4/21 | 15,238.08 | 3,428.57 | 18,666.65 |
5 | 41,904.80 | 5/21 | 19,047.60 | 2,514.29 | 21,561.89 |
6 | 22,857.20 | 6/21 | 22,857.12 | 1,371.43 | 24,228.55 |
21 | 80,000.00 | 20,800.00 | 100,800.00 |
- Se recibe un préstamo de S/. 250,000 para ser cancelado en 6 semestres a una tasa de interés del 5% bimestral. Prepare el Plan de pagos de cuotas decrecientes.
DATOS:
P = 250,000.00
n = 6 semestres
i = 5% bimestral x 3 = 15% semestral
N | Deuda | Amortización | Interés | Total a pagar |
1 | 250,000.00 | 41,666.67 | 37,500.00 | 79,166.67 |
2 | 208,333.33 | 41,666.67 | 31,250.00 | 72,916.67 |
3 | 166,666.66 | 41,666.67 | 25,000.00 | 66,666.67 |
4 | 124,999.99 | 41,666.67 | 18,750.00 | 60,416.67 |
5 | 83,333.32 | 41,666.67 | 12,500.00 | 54,166.67 |
6 | 41,666.65 | 41,666.67 | 6,250.00 | 47,916.65 |
250,000.00 | 131,250.00 | 381,250.00 |
- Se recibe un préstamo de S/. 150,000 para ser cancelado en 5 semestres a una tasa de interés del 4% trimestral. Prepare el Plan de pagos de cuotas Fijas.
DATOS:[pic 2]
P = 150,000.00
n = 5 semestres
i = 4% trimestral x 2 = 8% semestral
N | Deuda | Amortización | Interés | Total a pagar |
1 | 150,000.00 | 25,568.47 | 12,000.00 | 37,568.47 |
2 | 124,431.53 | 27,613.95 | 9,954.52 | 37,568.47 |
3 | 96,817.58 | 29,823.06 | 7,745.41 | 37,568.47 |
4 | 66,994.52 | 32,208.91 | 5,359.56 | 37,568.47 |
5 | 34,785.61 | 34,785.62 | 2,782.85 | 37,568.47 |
150,000.00 | 37,842.34 | 187,842.35 |
- Se recibe un préstamo de S/. 50,000 para ser cancelado en 4 Trimestres a una tasa de interés del 6% Semestral. Prepare el Plan de Pagos de Cuotas Crecientes.
DATOS:
P = 50,000.00[pic 3]
n = 4 trimestres
i = 6% semestral / 2 = 3% trimestral
N | Deuda | Proporción | Amortización | Interés | Total a pagar |
1 | 50,000.00 | 1/10 | 5,000.00 | 1,500.00 | 6,500.00 |
2 | 45,000.00 | 2/10 | 10,000.00 | 1,350.00 | 11,350.00 |
3 | 35,000.00 | 3/10 | 15,000.00 | 1,050.00 | 16,050.00 |
4 | 20,000.00 | 4/10 | 20,000.00 | 600.00 | 20,600.00 |
10 | 50,000.00 | 4,500.00 | 54,500.00 |
- Se compra una casa al crédito por S/. 60,000 con una inicial del 20%. El saldo será pagado en cuotas trimestrales durante 5 años a una tasa de interés del 1.5% quincenal. Efectúe el Plan de Pago en Cuotas Fijas, Decrecientes y Crecientes.
PLAN DE PAGOS DE CUOTAS DECRECIENTES
DATOS:
P = 60,000.00
P = 60,000.00 – 20% (Restamos la inicial)
P = 48,000.00
n = 5 años x 4 = 20 trimestres
i = 1.5% quincenal x 6 = 9% trimestral
N | Deuda | Amortización | Interés | Total a pagar |
1 | 48,000.00 | 2,400.00 | 4,320.00 | 6,720.00 |
2 | 45,600.00 | 2,400.00 | 4,104.00 | 6,504.00 |
3 | 43,200.00 | 2,400.00 | 3,888.00 | 6,288.00 |
4 | 40,800.00 | 2,400.00 | 3,672.00 | 6,072.00 |
5 | 38,400.00 | 2,400.00 | 3,456.00 | 5,856.00 |
6 | 36,000.00 | 2,400.00 | 3,240.00 | 5,640.00 |
7 | 33,600.00 | 2,400.00 | 3,024.00 | 5,424.00 |
8 | 31,200.00 | 2,400.00 | 2,808.00 | 5,208.00 |
9 | 28,800.00 | 2,400.00 | 2,592.00 | 4,992.00 |
10 | 26,400.00 | 2,400.00 | 2,376.00 | 4,776.00 |
11 | 24,000.00 | 2,400.00 | 2,160.00 | 4,560.00 |
12 | 21,600.00 | 2,400.00 | 1,944.00 | 4,344.00 |
13 | 19,200.00 | 2,400.00 | 1,728.00 | 4,128.00 |
14 | 16,800.00 | 2,400.00 | 1,512.00 | 3,912.00 |
15 | 14,400.00 | 2,400.00 | 1,296.00 | 3,696.00 |
16 | 12,000.00 | 2,400.00 | 1,080.00 | 3,480.00 |
17 | 9,600.00 | 2,400.00 | 864.00 | 3,264.00 |
18 | 7,200.00 | 2,400.00 | 648.00 | 3,048.00 |
19 | 4,800.00 | 2,400.00 | 432.00 | 2,832.00 |
20 | 2,400.00 | 2,400.00 | 216.00 | 2,616.00 |
|
| 48,000.00 | 45,360.00 | 93,360.00 |
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