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Registro de a) y b)
Pago $1000 x 24 meses a cambio de vehiculo
Cuota =
N=
Tasa =
1000
24
1%
meses
mensual
# Cuota
Valor Cuota
Pago Capital
Pago Int.
Saldo
21243.39
20455.82
19660.38
18856.98
18045.55
17226.01
16398.27
15562.25
14717.87
13865.05
13003.70
12133.74
11255.08
10367.63
9471.30
8566.02
7651.68
6728.19
5795.48
4853.43
3901.97
2940.99
1970.40
990.10
0.00
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
787.57
795.44
803.40
811.43
819.54
827.74
836.02
844.38
852.82
861.35
869.96
878.66
887.45
896.32
905.29
914.34
923.48
932.72
942.05
951.47
960.98
970.59
980.30
990.10
212.43
204.56
196.60
188.57
180.46
172.26
163.98
155.62
147.18
138.65
130.04
121.34
112.55
103.68
94.71
85.66
76.52
67.28
57.95
48.53
39.02
29.41
19.70
9.90
SUMATORIA
24000.00
21243.39
2756.61
Monto 12 meses
9988.31
+
Intereses 12 meses
2011.69
=
12000.00
Detalle
------------ x -----------
115 Vehiculo
207
Obligaciones por pagar
Adq. de vehiculo
------------ x ----------507 Gasto de interes
Debe
Haber
21243.39
21243.39
212.43
208
212.43
787.57
212.43
1000
177.03
177.03
Detalle
------------ x ----------102 Cuentas por cobrar
401
Ingreso por vta. Vehiculo
Venta de vehiculo
------------ x ----------501 CPV
115
Vehiculo
Costo del vehiculo
------------ x ----------107 Intereses por cobrar
117
Intereses ganados
Cobro intereses de 1 mes
------------ x ----------101 Banco
102
Cuentas por cobrar
107
Intereses por cobrar
cobro de 1 cuota
Debe
Haber
21243.39
21243.39
20000
20000
212.43
212.43
1000
789.57
212.43
Valor Cuota
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
Pago Capital
725.14
734.52
744.03
753.65
763.40
773.28
783.29
793.42
803.69
Pago Int.
Saldo
274.86
265.48
255.97
246.35
236.60
226.72
216.71
206.58
196.31
21243.39
20518.25
19783.73
19039.70
18286.05
17522.65
16749.37
15966.08
15172.66
14368.97
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
814.09
824.62
835.29
846.10
857.04
868.13
879.36
890.74
902.27
913.94
925.77
937.74
949.88
962.17
974.62
987.23
185.91
175.38
164.71
153.90
142.96
131.87
120.64
109.26
97.73
86.06
74.23
62.26
50.12
37.83
25.38
12.77
SUMATORIA
25000.00
21243.39
3756.61
La diferencia:
25000.00
-21243.39
3756.61
COSTO FINANCIERO
13554.89
12730.27
11894.98
11048.89
10191.84
9323.71
8444.35
7553.61
6651.34
5737.40
4811.63
3873.89
2924.01
1961.84
987.23
0.00
VP =
VF
( 1 + i )^n
21243.39
212.43
Tasa =
1.2939%
0.155263521