Segundo Parcial Evaluación Vite UNAM.
Enviado por IngRaulMartin • 27 de Noviembre de 2016 • Apuntes • 1.031 Palabras (5 Páginas) • 243 Visitas
MARTÍN ALVAREZ RAÚL ARMANDO
EVALUACIÓN DE PROYECTOS
SEGUNDO EXAMEN PARCIAL
ENTREGA DOMINGO, 03 ABRIL 2015.
- Formular el programa de los 61 pagos (desembolsos de efectivo) resultantes por la compra de una propiedad con valor de $ 6,000,000.00, si a tasa de interés pactada es del 18% anual y las condiciones de pago son:
- 30% de enganche
- Saldo restante a pagar mediante dos créditos simultáneos del mismo importe
- Un crédito se amortiza anualmente con 60 rentas mensuales
- El otro crédito se amortiza anualmente con 5 rentas anuales
- Realizar la línea del tiempo.
Datos:
Tasa de interés (i) = 18% anual
Costo de la propiedad = $ 6,000,000.00
Enganche = 30%
Principal (P) = $ 4,200,000
$1,800,000.00 | ||||||||
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| t años | ||
0 | 1 | 2 | 3 | 4 | 5 |
| ||
$6,000,000.00 | ||||||||
Las rentas se presentan en las siguientes tablas:
Para el crédito 2, se pagan 5 anualidades:
$671,533.50 | $671,534.50 | $671,535.50 | $671,536.50 | $671,537.50 | ||||
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| t años | ||
0 | 1 | 2 | 3 | 4 | 5 |
| ||
2,100,000 | ||||||||
Crédito 2. | Importe de pago anual (Renta) | |||
Periodo | Capital | Total | Intereses | Amortización |
0 | $2,100,000.0 | - | - | - |
1 | $1,806,466.5 | $671,533.5 | $378,000.0 | $293,533.5 |
2 | $1,460,097.0 | $671,533.5 | $325,164.0 | $346,369.5 |
3 | $1,051,381.0 | $671,533.5 | $262,817.5 | $408,716.0 |
4 | $569,096.1 | $671,533.5 | $189,248.6 | $482,284.9 |
5 | $0.0 | $671,533.5 | $102,437.3 | $569,096.2 |
Para el crédito 2, se pagan 5 rentas de $671,533.5 que pagan el interés anual y con la amortización se logra cubrir la deuda de $2,100,000.00 en 5 años.
Para el crédito 1, se pagan 60 mensualidades:
$53,326.20 | $53,327.20 | $53,328.20 | $53,329.20 | $53,330.20 | $53,331.20 | $53,332.20 | $53,333.20 | $53,334.20 | $53,335.20 | $53,336.20 | $53,336.20 | $53,337.20 | $53,338.20 | $53,339.20 | |||||
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| t meses | ||
0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 51 | 58 | 59 | 60 | |||
2,100,000 | |||||||||||||||||||
Crédito 1. | Importe de pago mensual (Renta) | |||
Periodo | Capital | Total | Intereses | Amortización |
0 | $2,100,000.0 | - | - | - |
1 | $2,078,173.8 | $53,326.2 | $31,500.0 | $21,826.2 |
2 | $2,056,020.2 | $53,326.2 | $31,172.6 | $22,153.6 |
3 | $2,033,534.3 | $53,326.2 | $30,840.3 | $22,485.9 |
4 | $2,010,711.1 | $53,326.2 | $30,503.0 | $22,823.2 |
5 | $1,987,545.6 | $53,326.2 | $30,160.7 | $23,165.5 |
6 | $1,964,032.6 | $53,326.2 | $29,813.2 | $23,513.0 |
7 | $1,940,166.9 | $53,326.2 | $29,460.5 | $23,865.7 |
8 | $1,915,943.2 | $53,326.2 | $29,102.5 | $24,223.7 |
9 | $1,891,356.1 | $53,326.2 | $28,739.1 | $24,587.1 |
10 | $1,866,400.3 | $53,326.2 | $28,370.3 | $24,955.9 |
11 | $1,841,070.1 | $53,326.2 | $27,996.0 | $25,330.2 |
12 | $1,815,359.9 | $53,326.2 | $27,616.1 | $25,710.1 |
13 | $1,789,264.1 | $53,326.2 | $27,230.4 | $26,095.8 |
14 | $1,762,776.9 | $53,326.2 | $26,839.0 | $26,487.2 |
15 | $1,735,892.3 | $53,326.2 | $26,441.7 | $26,884.5 |
16 | $1,708,604.5 | $53,326.2 | $26,038.4 | $27,287.8 |
17 | $1,680,907.4 | $53,326.2 | $25,629.1 | $27,697.1 |
18 | $1,652,794.8 | $53,326.2 | $25,213.6 | $28,112.6 |
19 | $1,624,260.5 | $53,326.2 | $24,791.9 | $28,534.3 |
20 | $1,595,298.2 | $53,326.2 | $24,363.9 | $28,962.3 |
21 | $1,565,901.5 | $53,326.2 | $23,929.5 | $29,396.7 |
22 | $1,536,063.8 | $53,326.2 | $23,488.5 | $29,837.7 |
23 | $1,505,778.6 | $53,326.2 | $23,041.0 | $30,285.2 |
24 | $1,475,039.0 | $53,326.2 | $22,586.7 | $30,739.5 |
25 | $1,443,838.4 | $53,326.2 | $22,125.6 | $31,200.6 |
26 | $1,412,169.8 | $53,326.2 | $21,657.6 | $31,668.6 |
27 | $1,380,026.2 | $53,326.2 | $21,182.5 | $32,143.7 |
28 | $1,347,400.4 | $53,326.2 | $20,700.4 | $32,625.8 |
29 | $1,314,285.2 | $53,326.2 | $20,211.0 | $33,115.2 |
30 | $1,280,673.2 | $53,326.2 | $19,714.3 | $33,611.9 |
31 | $1,246,557.1 | $53,326.2 | $19,210.1 | $34,116.1 |
32 | $1,211,929.3 | $53,326.2 | $18,698.4 | $34,627.8 |
33 | $1,176,782.0 | $53,326.2 | $18,178.9 | $35,147.3 |
34 | $1,141,107.6 | $53,326.2 | $17,651.7 | $35,674.5 |
35 | $1,104,898.0 | $53,326.2 | $17,116.6 | $36,209.6 |
36 | $1,068,145.2 | $53,326.2 | $16,573.5 | $36,752.7 |
37 | $1,030,841.2 | $53,326.2 | $16,022.2 | $37,304.0 |
38 | $992,977.6 | $53,326.2 | $15,462.6 | $37,863.6 |
39 | $954,546.1 | $53,326.2 | $14,894.7 | $38,431.5 |
40 | $915,538.1 | $53,326.2 | $14,318.2 | $39,008.0 |
41 | $875,945.0 | $53,326.2 | $13,733.1 | $39,593.1 |
42 | $835,757.9 | $53,326.2 | $13,139.2 | $40,187.0 |
43 | $794,968.1 | $53,326.2 | $12,536.4 | $40,789.8 |
44 | $753,566.4 | $53,326.2 | $11,924.5 | $41,401.7 |
45 | $711,543.7 | $53,326.2 | $11,303.5 | $42,022.7 |
46 | $668,890.7 | $53,326.2 | $10,673.2 | $42,653.0 |
47 | $625,597.8 | $53,326.2 | $10,033.4 | $43,292.8 |
48 | $581,655.6 | $53,326.2 | $9,384.0 | $43,942.2 |
49 | $537,054.2 | $53,326.2 | $8,724.8 | $44,601.4 |
50 | $491,783.9 | $53,326.2 | $8,055.8 | $45,270.4 |
51 | $445,834.4 | $53,326.2 | $7,376.8 | $45,949.4 |
52 | $399,195.7 | $53,326.2 | $6,687.5 | $46,638.7 |
53 | $351,857.5 | $53,326.2 | $5,987.9 | $47,338.3 |
54 | $303,809.1 | $53,326.2 | $5,277.9 | $48,048.3 |
55 | $255,040.1 | $53,326.2 | $4,557.1 | $48,769.1 |
56 | $205,539.5 | $53,326.2 | $3,825.6 | $49,500.6 |
57 | $155,296.4 | $53,326.2 | $3,083.1 | $50,243.1 |
58 | $104,299.6 | $53,326.2 | $2,329.4 | $50,996.8 |
59 | $52,537.9 | $53,326.2 | $1,564.5 | $51,761.7 |
60 | $0.0 | $53,326.2 | $788.1 | $52,538.1 |
...