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TRABAJO INDIVIDU
FABIAN ENRIQUE
CODIGO: 6
TUTOR: ANDRES
GRUPO No.
MATEMATICA FINANCIERA
TRABAJO INDIVIDUAL UNIDAD 1 Y 2
INTRODU
En el presente trabajo realizaremos ejercicios sobre matematicas finaciera, manejaremos conceptos y dife
gastos, prestamos, nuevos proyectos. Es muy importante que sepamos el concepto del valor de dinero a t
claras para saber en un futuro tomar decisiones claras en nuestra empresa o donde estemos laborando.
INTRODUCCION
ejaremos conceptos y diferentes formulas. Las matematicas finacieras son fundamentales a la hora de tomar decisio
pto del valor de dinero a travez del tiempo. los estudiantes del area de administracion debemos poseer competenc
nde estemos laborando.
PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
SALDO INICIAL
600,000,000.00
583,333,333.33
566,666,666.67
550,000,000.00
533,333,333.33
516,666,666.67
500,000,000.00
483,333,333.33
466,666,666.67
450,000,000.00
433,333,333.33
416,666,666.67
400,000,000.00
383,333,333.33
366,666,666.67
350,000,000.00
333,333,333.33
316,666,666.67
300,000,000.00
283,333,333.33
266,666,666.67
250,000,000.00
233,333,333.33
216,666,666.67
200,000,000.00
183,333,333.33
166,666,666.67
150,000,000.00
133,333,333.33
116,666,666.67
100,000,000.00
83,333,333.33
66,666,666.67
50,000,000.00
33,333,333.33
16,666,666.67
CUOTA
22,606,666.67
22,441,666.67
22,276,666.67
22,111,666.67
21,946,666.67
21,781,666.67
21,616,666.67
21,451,666.67
21,286,666.67
21,121,666.67
20,956,666.67
20,791,666.67
20,626,666.67
20,461,666.67
20,296,666.67
20,131,666.67
19,966,666.67
19,801,666.67
19,636,666.67
19,471,666.67
19,306,666.67
19,141,666.67
18,976,666.67
18,811,666.67
18,646,666.67
18,481,666.67
18,316,666.67
18,151,666.67
17,986,666.67
17,821,666.67
17,656,666.67
17,491,666.67
17,326,666.67
17,161,666.67
16,996,666.67
16,831,666.67
600,000,000.00
0.99%
36
INTERESES
5,940,000.00
5,775,000.00
5,610,000.00
5,445,000.00
5,280,000.00
5,115,000.00
4,950,000.00
4,785,000.00
4,620,000.00
4,455,000.00
4,290,000.00
4,125,000.00
3,960,000.00
3,795,000.00
3,630,000.00
3,465,000.00
3,300,000.00
3,135,000.00
2,970,000.00
2,805,000.00
2,640,000.00
2,475,000.00
2,310,000.00
2,145,000.00
1,980,000.00
1,815,000.00
1,650,000.00
1,485,000.00
1,320,000.00
1,155,000.00
990,000.00
825,000.00
660,000.00
495,000.00
330,000.00
165,000.00
SUMATORIA
INTERESES
PRIMER AO
60,390,000.00
SUMATORIA
INTERESES
TOTALES
109,890,000.00
AMORTIZACIN
SALDO FINAL
16,666,666.67
583,333,333.33
16,666,666.67
566,666,666.67
16,666,666.67
550,000,000.00
16,666,666.67
533,333,333.33
16,666,666.67
516,666,666.67
16,666,666.67
500,000,000.00
16,666,666.67
483,333,333.33
16,666,666.67
466,666,666.67
16,666,666.67
450,000,000.00
16,666,666.67
433,333,333.33
16,666,666.67
416,666,666.67
16,666,666.67
400,000,000.00
16,666,666.67
383,333,333.33
16,666,666.67
366,666,666.67
16,666,666.67
350,000,000.00
16,666,666.67
333,333,333.33
16,666,666.67
316,666,666.67
16,666,666.67
300,000,000.00
16,666,666.67
283,333,333.33
16,666,666.67
266,666,666.67
16,666,666.67
250,000,000.00
16,666,666.67
233,333,333.33
16,666,666.67
216,666,666.67
16,666,666.67
200,000,000.00
16,666,666.67
183,333,333.33
16,666,666.67
166,666,666.67
16,666,666.67
150,000,000.00
16,666,666.67
133,333,333.33
16,666,666.67
116,666,666.67
16,666,666.67
100,000,000.00
16,666,666.67
83,333,333.33
16,666,666.67
66,666,666.67
16,666,666.67
50,000,000.00
16,666,666.67
33,333,333.33
16,666,666.67
16,666,666.67
16,666,666.67 0.00
CUOTA
DECRECIENTE
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
165,000.00
meses
Periodica
1.20%
600,000,000
18
TABLA DE AMORTIZACION
PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
SALDO INICIAL
600,000,000
569,938,334.6
539,515,929.2
508,728,455.0
477,571,531.0
446,040,724.0
414,131,547.3
381,839,460.4
349,159,868.6
316,088,121.6
282,619,513.6
248,749,282.4
214,472,608.4
179,784,614.3
144,680,364.3
109,154,863.2
73,203,056.2
36,819,827.5
CUOTA
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
37,261,665.4
Intereses primer
ao
Intereses totales
INTERESES
7,200,000
6,839,260
6,474,191
6,104,741
5,730,858
5,352,489
4,969,579
4,582,074
4,189,918
3,793,057
3,391,434
2,984,991
2,573,671
2,157,415
1,736,164
1,309,858
878,437
441,838
61,612,593
70,709,977
AMORTIZACION
30,061,665.4
30,422,405.4
30,787,474.3
31,156,923.9
31,530,807.0
31,909,176.7
32,292,086.8
32,679,591.9
33,071,747.0
33,468,607.9
33,870,231.2
34,276,674.0
34,687,994.1
35,104,250.0
35,525,501.0
35,951,807.0
36,383,228.7
36,819,827.5
TA FIJA
SALDO FINAL
569,938,334.6
539,515,929.2
508,728,455.0
477,571,531.0
446,040,724.0
414,131,547.3
381,839,460.4
349,159,868.6
316,088,121.6
282,619,513.6
248,749,282.4
214,472,608.4
179,784,614.3
144,680,364.3
109,154,863.2
73,203,056.2
36,819,827.5
-
PERIODO
SALDO INICIAL
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
CUOTA
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
578,485,281.54
556,695,174.68
534,626,154.45
512,274,650.77
489,637,047.84
466,709,683.59
443,488,849.08
419,970,787.88
396,151,695.51
372,027,718.75
347,594,955.09
322,849,452.05
297,787,206.57
272,404,164.36
246,696,219.20
220,659,212.34
194,288,931.80
167,581,111.67
140,531,431.43
113,135,515.29
85,388,931.43
57,287,191.29
28,825,748.88
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
29,194,718.46
SUMATORIA INTERESES
PRIMER AO
SUMATORIA INTERESES
TOTALES
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
INTERESES
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,680,000.00
7,404,611.60
7,125,698.24
6,843,214.78
6,557,115.53
6,267,354.21
5,973,883.95
5,676,657.27
5,375,626.08
5,070,741.70
4,761,954.80
4,449,215.43
4,132,472.99
3,811,676.24
3,486,773.30
3,157,711.61
2,824,437.92
2,486,898.33
2,145,038.23
1,798,802.32
1,448,134.60
1,092,978.32
733,276.05
368,969.59
92,160,000.00
12
36
AMORTIZACIN
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
21,514,718.46
21,790,106.86
22,069,020.23
22,351,503.68
22,637,602.93
22,927,364.25
23,220,834.51
23,518,061.19
23,819,092.38
24,123,976.76
24,432,763.66
24,745,503.04
25,062,245.48
25,383,042.22
25,707,945.16
26,037,006.86
26,370,280.54
26,707,820.13
27,049,680.23
27,395,916.14
27,746,583.87
28,101,740.14
28,461,442.41
28,825,748.88
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-$
SALDO FINAL
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
600,000,000.00
578,485,281.54
556,695,174.68
534,626,154.45
512,274,650.77
489,637,047.84
466,709,683.59
443,488,849.08
419,970,787.88
396,151,695.51
372,027,718.75
347,594,955.09
322,849,452.05
297,787,206.57
272,404,164.36
246,696,219.20
220,659,212.34
194,288,931.80
167,581,111.67
140,531,431.43
113,135,515.29
85,388,931.43
57,287,191.29
28,825,748.88
0.00
192,833,243.08
PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
TOTAL INTERESES
INTERES PRIMER
58,702,481
58,702,481
58,702,481
58,702,481
58,702,481
58,702,481
58,702,481
58,702,481
58,702,481
58,702,481
58,702,481
58,702,481
INTERESES
7,800,000
7,901,400
8,004,118
8,108,172
8,213,578
8,320,354
8,428,519
7,774,958
7,112,900
6,442,235
5,762,852
5,074,637
4,377,475
3,671,250
2,955,844
2,231,137
1,497,010
753,339
104,429,778
88,943,723
AMORTIZACION
- 7,800,000
- 7,901,400
- 8,004,118
- 8,108,172
- 8,213,578
- 8,320,354
50,273,962
50,927,524
51,589,582
52,260,246
52,939,629
53,627,845
54,325,007
55,031,232
55,746,638
56,471,344
57,205,471
57,949,143
6
18
648,347,622
SALDO FINAL
607,800,000
615,701,400
623,705,518
631,813,690
640,027,268
648,347,622
598,073,660
547,146,136
495,556,554
443,296,308
390,356,679
336,728,834
282,403,827
227,372,596
171,625,958
115,154,614
57,949,143
-
AO 2015
$
$
$
$
$
6,750,000,000.00
3,037,500,000.00
3,712,500,000.00
556,874,000.00
3,155,626,000.00
60,390,000.00
$
$
$
3,095,236,000.00
1,052,380,240.00
2,042,855,760.00
ija capital
INCREMENTOAL 2016
$
$
$
$
$
60,390,000.00
5,726,723,720.00
1,947,086,064.80
3,779,637,655.20
2015
$
$
$
$
$
6,750,000,000.00
3,037,500,000.00
3,712,500,000.00
556,874,000.00
3,155,626,000.00
$
$
$
3,155,626,000.00
1,072,912,840.00
2,082,713,160.00
$
$
ESTADO DE RESULTADOS
INCREMENTO AL 2016
AJUSTADO
3,240,000,000.00 $
9,990,000,000.00
486,000,000.00 $
3,523,500,000.00
$
6,466,500,000.00
679,386,280.00
122,512,280.00 $
$
5,787,113,720.00
$
$
$
61,612,593.21
5,725,501,126.79
1,946,670,383.11
3,778,830,743.68
2015
6,750,000,000
3,037,500,000
Utilidad bruta
3,712,500,000
Gastos operacionales
556,874,000
Utilidad operacional
3,155,626,000
92,160,000
3,063,466,000
1,041,578,440
2,021,887,560
INCREMENTO AL 2016
3,240,000,000.00 $
ESTADO DE RESULTADOS
AJUSTADO
9,990,000,000.00
486,000,000.00 $
3,523,500,000.00
6,466,500,000.00
122,512,280.00 $
679,386,280.00
5,787,113,720.00
$
$
92,160,000.00
5,694,953,720.00
1,936,284,264.80
3,758,669,455.20
Estado de resultados
CUENTA
Ingresos por Ventas
Costo de ventas
Utilidad bruta
2015
6,750,000,000
3,037,500,000
3,712,500,000
Gastos operacionales
556,874,000
Utilidad operacional
3,155,626,000
88,943,723
3,066,682,277
Impuestos
1,042,671,974
Utilidad neta
2,024,010,303
Nota: La utilidad antes de impuestos se obtiene de restar a la utilidad
tado de resultados
ESTADO DE RESULTADOS
AJUSTADO
INCREMENTO AL 2016
$
$
3,240,000,000.00 $
486,000,000.00 $
$
9,990,000,000.00
3,523,500,000.00
6,466,500,000.00
122,512,280.00 $
679,386,280.00
5,787,113,720.00
88,943,722.87
5,698,169,997.13
1,937,377,799.02
3,760,792,198.11
e obtiene de restar a la utilidad operacional los gastos financieros, para obtener la utilidad neta debe restar a la
caso 1
Datos
Volumen de ventas en unidades
Precio Unitario
Costo Unitario
Costo fijo
Valor residual
Inversin
Tasa de descuento
Esperado
$
$
$
$
$
$
1,173,000.00
6,725.00
2,467.00
117,956,000.00
7,950,000.00
600,000,000.00
0.10
Rubros
Ingresos
0
$
Ventas
Valor residual
Egresos
600,000,000.00
Costo fijo
Costo variable
Inversin
600,000,000.00
Flujo Neto
(600,000,000.00)
Indicadores de evaluacin
VAN
TIR
RB/C=
$
$
23,839,312,547.27
821%
40.73
FLUJO DE FONDOS
AO
$
$
$
$
1
1,173,000.00
6,725.00
2,467.00
117,956,000.00
10 %
AO
AO
7,888,425,000.00 $
8,448,503,175.00
7,888,425,000.00 $
8,448,503,175.00
3,011,747,000.00 $
3,207,911,558.25
$
$
117,956,000.00 $
2,893,791,000.00 $
123,853,800.00
3,084,057,758.25
4,876,678,000.00 $
5,240,591,616.75
FONDOS
AO
$
$
$
$
2
1,231,650.00
6,859.50
2,504.01
123,853,800.00
AO
AO
9,665,087,632.20 $
11,781,741,823.65
9,665,087,632.20 $
11,781,741,823.65
3,607,321,612.43 $
4,315,364,192.88
$
$
130,046,490.00 $
3,477,275,122.43 $
136,548,814.50
4,178,815,378.38
6,057,766,019.77 $
7,466,377,630.78
AO
$
$
$
$
4
1,558,037.25
7,561.91
2,682.10
136,548,814.50
AO
15,022,601,780.06
$
$
15,014,651,780.06
7,950,000.00
5,320,928,509.03
$
$
143,376,255.23
5,177,552,253.81
9,701,673,271.03
AO
$
$
$
$
5
1,838,483.96
8,166.87
2,816.21
143,376,255.23
FLUJO
CASO 2
Datos
Esperado
Volumen de ventas en unidade $
Precio Unitario
$
Costo Unitario
$
Costo fijo
$
Valor residual
$
Inversin
$
Tasa de descuento
1,173,000.00
6,725.00
2,467.00
117,956,000.00
7,950,000.00
600,000,000.00
0.115
Rubros
Ingresos
0 AO
$
7,888,425,000.00
7,888,425,000.00
600,000,000.00 $
3,011,747,000.00
$
$
117,956,000.00
2,893,791,000.00
(600,000,000.00) $
4,876,678,000.00
Costo fijo
Costo variable
Inversin
Flujo Neto
600,000,000.00
Indicadores de evaluacin
VAN
TIR
RB/C=
$
$
Ventas
Valor residual
Egresos
11.5
19,351,202,005.63
817%
33.25
FLUJO DE FONDOS
Caso 1
1,173,000.00
6,725.00
2,467.00
117,956,000.00
$
$
$
$
Caso 2
$
$
$
$
1,208,190.00
6,792.25
2,516.34
125,033,360.00
%
AO
AO
AO
8,206,328,527.50 $
8,788,977,852.95 $
9,639,311,460.23
8,206,328,527.50 $
8,788,977,852.95 $
9,639,311,460.23
3,165,250,184.60 $
3,404,568,719.08 $
3,746,595,446.57
$
$
125,033,360.00 $
3,040,216,824.60 $
132,535,361.60 $
3,272,033,357.48 $
140,487,483.30
3,606,107,963.27
5,041,078,342.90 $
5,384,409,133.88 $
5,892,716,013.66
Alba Snchez
mtica Financiera
Caso 4
$
$
$
$
AO
1,357,401.47
7,101.30
2,656.63
140,487,483.30
10,830,004,976.40
$
$
10,822,054,976.40
7,950,000.00
4,236,800,719.46
$
$
148,916,732.29
4,087,883,987.17
6,593,204,256.93
Caso 5
$
$
$
$
1,479,567.60
7,314.34
2,762.89
148,916,732.29
Datos
Volumen de ventas en unidades
Precio Unitario
Costo Unitario
Costo fijo
Valor residual
Inversin
Tasa de descuento
Esperado
$
$
$
$
$
$
Rubros
1,173,000.00
6,725.00
2,467.00
117,956,000.00
7,950,000.00
600,000,000.00
0.12
0
Ingresos
Ventas
Valor residual
Egresos
600,000,000.00
Costo fijo
Costo variable
Inversin
600,000,000.00
Flujo Neto
(600,000,000.00)
Indicadores de evaluacin
VAN
TIR
RB/C=
$
$
20,196,701,233.24
803%
34.66
$
$
$
12 %
AO
AO
7,888,425,000.00 $
8,532,120,480.00
7,888,425,000.00 $
8,532,120,480.00
3,111,747,000.00 $
3,456,137,265.60
$
$
$
117,956,000.00 $
2,893,791,000.00 $
100,000,000.00 $
126,212,920.00
3,129,924,345.60
200,000,000.00
4,776,678,000.00 $
5,075,983,214.40
ONDOS CASO 3
AO 2
$
$
$
$
AO
1,219,920.00
6,994.00
2,565.68
126,212,920.00
AO 3
1,305,314.40
7,343.70
2,706.79
135,047,824.40
$
$
$
$
AO
9,585,837,359.28 $
10,973,866,608.90
9,585,837,359.28 $
10,973,866,608.90
3,918,262,921.93 $
4,469,325,815.76
$
$
$
135,047,824.40 $
3,533,215,097.53 $
250,000,000.00 $
144,501,172.11
4,044,824,643.65
280,000,000.00
5,667,574,437.35 $
6,504,540,793.14
AO 4
1,409,739.55
7,784.32
2,869.20
144,501,172.11
$
$
$
$
AO
12,924,190,998.68
$
$
12,916,240,998.68
7,950,000.00
5,315,374,859.74
$
$
$
154,616,254.16
4,760,758,605.58
400,000,000.00
7,608,816,138.94
$
$
$
$
AO 5
1,550,713.51
8,329.22
3,070.04
154,616,254.16
CASO 4
Datos
Volumen de ventas en unidades
Precio Unitario
Costo Unitario
Costo fijo
Valor residual
Inversin
Tasa de descuento
Esperado
$
$
$
$
$
$
Rubros
1,173,000.00
6,725.00
2,467.00
117,956,000.00
7,950,000.00
200,000,000.00
0.13
0
Ingresos
Ventas
Valor residual
Egresos
200,000,000.00
Costo fijo
Costo variable
Inversin
200,000,000.00
Flujo Neto
(200,000,000.00)
Indicadores de evaluacin
VAN
TIR
RB/C=
$
$
20,892,981,470.81
2372%
105.46
CASO 4
Datos
Volumen de ventas en unidades
Precio Unitario
Costo Unitario
Costo fijo
Valor residual
Inversin
Tasa de descuento
Rubros
Esperado
$
$
$
$
$
$
1,173,000.00
6,725.00
2,467.00
117,956,000.00
7,950,000.00
200,000.00
0.13
0
Ingresos
Ventas
Valor residual
Egresos
200,000.00
Costo fijo
Costo variable
Inversin
200,000.00
Flujo Neto
(200,000.00)
Indicadores de evaluacin
VAN
TIR
RB/C=
$
$
16,767,710,960.10
2438339%
83,839.55
FLUJO DE FONDOS
AO 1
$
$
$
1,173,000.00
6,725.00
2,467.00
###
13 %
AO
AO
7,888,425,000.00 $
8,778,239,340.00
7,888,425,000.00 $
8,778,239,340.00
3,161,747,000.00 $
3,679,530,232.20
$
$
$
117,956,000.00 $
2,893,791,000.00 $
150,000,000.000 $
127,392,480.00
3,282,137,752.20
270,000,000.00
4,726,678,000.00 $
5,098,709,107.80
FLUJO DE FONDOS
AO 1
$
$
$
1,173,000.00
6,725.00
2,467.00
###
13 %
1
7,888,425,000.00 $
7,888,425,000.00
7,888,425,000.00 $
7,888,425,000.00
3,011,747,000.00 $
3,023,542,600.00
$
$
117,956,000.00 $
2,893,791,000.00 $
$ 150,000,000 $ 270.000.000.
129,751,600.00
2,893,791,000.00
4,876,678,000.00 $
4,864,882,400.00
NDOS
AO 2
$
$
$
$
AO
1,255,110.00
6,994.00
2,615.02
127,392,480.00
AO 3
1,355,518.80
7,483.58
2,824.22
137,583,878.40
$
$
$
$
AO
AO 4
1,477,515.49
8,082.27
3,078.40
148,590,588.67
$
$
$
$
AO
10,144,133,381.30 $
11,941,673,816.47 $
14,456,181,150.55
10,144,133,381.30 $
11,941,673,816.47 $
$
14,448,231,150.55
7,950,000.00
4,145,869,352.57 $
4,996,976,560.53 $
6,164,057,107.40
$
$
$
137,583,878.40 $
3,828,285,474.17 $
180,000,000.000 $
148,590,588.67 $
4,548,385,971.86 $
300,000,000.000 $
160,477,835.77
5,553,579,271.64
450,000,000.00
5,998,264,028.74 $
6,944,697,255.94 $
8,292,124,043.15
NDOS
AO 2
$
$
$
$
1,255,110.00
6,994.00
2,615.02
127,392,480.00
$
$
$
$
AO 3
1,355,518.80
7,483.58
2,824.22
137,583,878.40
$
$
$
$
AO 4
1,477,515.49
8,082.27
3,078.40
148,590,588.67
7,888,425,000.00 $
7,888,425,000.00 $
7,896,375,000.00
7,888,425,000.00 $
7,888,425,000.00 $
$
7,888,425,000.00
7,950,000.00
3,216,517,760.00 $
3,350,790,436.00 $
3,066,490,379.60
$
$
$
142,726,760.00 $
2,893,791,000.00 $
180,000,000.00 $
156,999,436.00 $
172,699,379.60
2,893,791,000.00 $
2,893,791,000.00
300,000,000.00 $ 450.000.000.
4,671,907,240.00 $
4,537,634,564.00 $
4,829,884,620.40
$
$
$
$
AO 5
1,640,042.20
8,809.67
3,386.24
160,477,835.77
$
$
$
$
AO 5
1,640,042.20
8,809.67
3,386.24
160,477,835.77
TAB
FABIAN ENRIQUE ORTIZ AGUILAR C.C. 6 391 709
MONTO SOLICITADO
TASA INTERES
EFECTIVA MENSUAL
PERIODO DE
GRACIA
AMORTIZACION FIJA
$
A CAPITAL
600,000,000.00
0.99%
N/A
AMORTIZACION
PAGO CUOTA FIJA
600,000,000.00
1.20%
N/A
600,000,000.00
1.28%
12
600,000,000.00
1.30%
N/A
A.Cul sera la mejor opcin de financiacin ofrecida por las entidades crediticias a la compa
ampliacin de su planta de produccin? Argumente su respuesta.
La mejor opcin sera el pago de cuota fija, el valor que paga durante el primer ao es relativamente b
inferiores a los dems. Es la modalidad de credito donde se paga menores intereses es decir que sus
B. Cul sera la utilidad de la compaa para el primer ao, si decidiera escoger la modalidad d
partir de
que su incremento en ventas sea del 45% de las ventas al 31 de diciembre de 2015 y que su incr
y del 23 %
en sus gastos operacionales? Argumente su respuesta.
La utilidad sera de $.6.096.905.760 El aumento en el costo del crdito sera cubierto , pero la utilidad
los impuestos tambien y no afecta en la parte financiera de la empresa
C. Cul es el monto de los intereses totales, si la compaa optara por financiar su proyecto ba
Amortizacin pago cuota
fija, a partir de que la tasa de inters efectiva mensual ofrecida por la entidad crediticia sea del
nueva
opcin de crdito ofrecida por la entidad crediticia, representara para la compaa una mejor op
crdito ofrecida
de manera inicial? Argumente su respuesta
El valor total de los intereses sera $ 83.289.907 Y PARA EL PRIMER AO 65.562.522 En este aspect
una opcin mejor, dado que se logra una disminucin mensusal de la cuota, pero al final del crdito el
PERIODO
MUERTO
TOTAL
PERIODOS
N/A
36
109,890,000.00
N/A
18
37,261,665.40 $
70,709,977.22
N/A
36
$
Cuota Inicial
7,680,000,00
Cuota Final
29,194,718,46
192,833,243.08
18
58,702,481.46 $
104,429,777.51
CUOTA MENSUAL
mbre de 2015 y que su incremento del costo de ventas sea del 20%
INTERESES TOTALES
INTERESES PRIMER
AO
IMPUESTOS
UTILIDAD
60,390,000.00 $
1,947,086,064.80 $
3,779,637,655.20
61,612,593.21 $
1,946,670,383.11 $
3,778,830,743.68
92,160,000.00 $
1,936,284,264.80 $
3,758,669,455.20
88,943,722.87 $
1,937,377,799.02 $
3,760,792,198.11
Caso 1
1 ao $1,173,000,00
$1,231,650,00
$1,354,815,00
$1,558,037,25
$1,838,483,96
2 ao
3 ao
4 ao
5 ao
Caso 2
1 ao $1,173,000,00
$1,208,190,00
$1,268,599,50
$1,357,401,47
$1,479,567,60
2 ao
Caso 3
1 ao $1,173,000,00
2 ao
$1,219,920,00
3ao $1,305,314,40
4 ao $ 1,409,739,55
5 ao $ 1,550,713,51
Caso 4
1 ao $1,173,000,00
$1,255,110,00
$1,355,518,00
1,477,515,49
1,640,042,20
3 ao
4 ao
5 ao
2 ao
3 ao
4 ao $
5 ao $
Precio Unitario
Costo Unitario
1 ao $ 6,725,00
2 ao $ 1ao $2,467,00
2 ao
6,859,50
3 ao $
$2,504,01
3 ao
7,133,88
4 ao $
$2,566,61
4 ao
7,561,91
5 ao $
$2,682,10
5 ao
$
8,166,87
$2,816,21
1 ao $ 6,725,00
2 ao
$ 6,792,25
3 ao $
6,928,10
4 ao $
7,101,30
5 ao $
7,314,34
VAN
23,839,312,547.27
1ao $2,467,00
2 ao
$2,516,34
3 ao
$2,579,25
4 ao
$
$2,656,63
5 ao
$2,762,89
19,351,202,005.63
1 ao $ 6,725,00
2 ao $ 1 ao $2,467,00
2 ao
6,994,00
3 ao $
$2,565,68
3 ao
7,343,70
4 ao $
$2,706,79
4 ao
$
7,784,32
5 ao $
$2,869,20
5 ao
8,329,22
$3,070,04
20,196,701,233.24
1 ao $ 6,725,00
2 ao
$ 6,994,00
3 ao $
7,483,58
4 ao $
8,082,27
5 ao $
8,809,67
20,892,981,470.81
1 ao $2,467,00
2 ao
$2,615,02
3 ao
$2,824,22
4 ao
$
$3,078,40
5 ao
$3,386,24
TIR
RB/C
TASA DESCUENTO
821.30%
40.73
10%
816.56%
33.25
11.50%
803%
34.7
12%
2372%
105.46
13%
CONCLUSION
CONCLUSIONES
actual
REFERENCIA BIBLIOGRAF
http://datateca.unad.edu.co/contenidos/102007/CONCEPTOS_BASICOS_D
http://memoriasmatefinanciera.blogspot.com/2013/04/
http://datateca.unad.edu.co/contenidos/102007/2015-2/TU
http://datateca.unad.edu.co/contenidos/102007/2015-2/TUTORIAL
http://datateca.unad.edu.co/contenidos/102007/2015-2/TUTORIAL_TABLA
http://datateca.unad.edu.co/contenidos/102007/2015-2/TUTORIAL_
http://datateca.unad.edu.co/contenidos/102007/2015-2/TUTORIAL_AMO
RENCIA BIBLIOGRAFICA
NCEPTOS_BASICOS_DE_MATEMATICA_FINANCIERA1.pdf
logspot.com/2013/04/sistema-de-amortizacion.html
dos/102007/2015-2/TUTORIAL_TABLA_CUOTA_FIJA1.pdf
007/2015-2/TUTORIAL_TABLA_AMORTIZACION_FIJA_CAPITAL.pdf
15-2/TUTORIAL_TABLA_AMORTIZACION_GRADIENTE_GEOMETRICO.pdf
07/2015-2/TUTORIAL_TABLA_CUOTA_FIJA_PERIODO_GRACIA.pdf
015-2/TUTORIAL_AMORTIZACION_FIJA_CAPITAL_PERIOD_MUERTO.pdf