1.

Determine cul es la opcin ms conveniente para el seor Vergara al vender su automvil, si se consideran
(a) Don Luis le ofrece $235,000 de contado.
(b) Un amigo le da $90,000 de contado y 5 abonos mensuales de $30,000 cada uno.
(c) Otro le ofrece 3 pagos de $80,000 cada uno a los 2, 3 y 5 meses de la compra-venta.
(d) Teresa se lo paga con $125,000 el da de la compra y 13 abonos quincenales de $8,750 cada uno.
(e) Rosala le da $60,500 en la compra, $120,000 a los 3 meses y $60,500 2 meses despus.
TEM 0.946%
TEQ 0.472%

VP(A) S/. 235,000.00

Alt. B
Inicial S/. 90,000.00
Rentas (mes) S/. 30,000.00

VP(B) S/. 235,835.94

Alt. C
Valor n (mes) VA
S/. 80,000.00 2 S/. 78,507.87
S/. 80,000.00 3 S/. 77,772.27
S/. 80,000.00 5 S/. 76,321.69
S/. 232,601.84

Alt. D
Valor n (mes) VA
Inicial S/. 125,000.00 0 S/. 125,000.00
Renta S/. 8,750.00 13 S/. 110,080.24

VP(D) S/. 235,080.24

Alt. E
Valor n (mes) VA
S/. 60,500.00 0 S/. 60,500.00
S/. 120,000.00 3 S/. 116,658.41
S/. 60,500.00 5 S/. 57,718.28
S/. 234,876.69

VP (E ) S/. 234,876.69
nder su automvil, si se consideran intereses del 11.35% nominal mensual.

es de $8,750 cada uno.

eses despus.
1. El dueo de un volquete tiene las siguientes opciones para vender su unidad:
(a) Un cliente puede pagarle $600,000 de contado.
(b) Otro le ofrece $200,000 de contado y 7 mensualidades de $60,000 cada una.
(c) Un tercero le ofrece $126,000 de contado y 20 abonos quincenales de $25,000 cada uno.
Determine cul le conviene ms, si sabe que el dinero redita el 14.75% de inters anual capitalizable por semestres.

TES 7.38%
TEM 1.19%
TEQ 0.59%

VP(A) S/. 600,000.00

Alt. B n (meses) VA
Inicial S/. 200,000.00 0 S/. 200,000.00
Rentas (mes) S/. 60,000.00 7 S/. 400,653.86
S/. 600,653.86

VP(B) S/. 600,653.86

Alt. C n (quincena) VA
Inicial S/. 126,000.00 0 S/. 126,000.00
Rentas (quin) S/. 25,000.00 20 S/. 470,092.77
S/. 596,092.77

VP(C) S/. 596,092.77

italizable por semestres.
P(0) S/. 250,000.00 S S/. 512,750.99
P S/. 250,000.00
TEM1 2.00% I S/. 262,750.99
R1 S/. 5,878.28

P(24) S/. 223,281.03

TEM1 1.48%
R1 S/. 5,059.35

P(66) S/. 121,883.52

TEM1 1.82%
R1 S/. 5,305.98
TET1 3.83% TES 8.16%
TEB1 2.53% TEM 1.32%

Rb S/. 17,500.00 P/A(36,tem2) S/. 28.52735

0.45P S/. 179,141.74 P/F(12,teb1) S/. 0.74060
P S/. 398,092.75
0.55P S/. 218,951.01 X= S/. 10,363.37

S S/. 583,081.33
I S/. 184,988.57
P(0) S/. 180,000.00
Rm (50 rentas S/. 9,200.00

TEM1 0.75%

S(36) Rentas S/. 378,604.99

S(36) P0 S/. 235,556.17
S(36) S/. 614,161.16
S/. 614,161.16

F/A(36,i1) S/. 41.15

F/P(36,i1) S/. 1.31
S(36) S/. 614,161.16

TEM2 0.81%

F/A(14,i2) S/. 14.76

F/P(10,i2) S/. 1.08
F/P(24,i2) S/. 1.21

S(60) S/. 892,598.68

TEM3 0.86%

S(72) S/. 988,781.76

I= S/. 348,781.76
TEM1 1.226%
TEM2 1.303%
TEM3 1.353%

P/A(7,i1) S/. 6.66889

P/F(5,i1) S/. 0.94088 S/. 6.27460

P/A(12,i2) S/. 11.04290

P/F(12,i1) S/. 0.86393 S/. 9.54030

P/A(17,i3) S/. 15.09598

P/F(12,i2) S/. 0.85616
P/F(12,i1) S/. 0.86393 ###

P(0) S/. 24,500.00

R= S/. 908.05
I S/. 8,189.79
 P(0) S/. 65,700.00
TEM1 1.09%
TEM2 1.00%

a) P/A(12,tem1) S/. 11.19099 11.1909919

P/A(18,tem2) S/. 16.39631
P/F(12,tem1) S/. 0.87796 0.87796313

X= S/. 2,567.78

b) I= S/. 11,333.27

c) TEMmor 2.10%
Pago (24) S/. 16,651.73

d) P(24) a ref S/. 31,532.55

TEM3 1.26%
X2 S/. 1,530.53
P/A(24,TEM3) S/. 20.60
X2 S/. 1,530.53
 P(0) S/. 10,200.00
n (meses) 36
TEM1 1.46%
P/A(36,tem1) S/. 27.8536 27.8535503
R1 S/. 366.20
R1 S/. 366.20

P(18) S/. 5,760.81

a) TEM2 2.00% d) TEM2 2.00%

n (meses) 18 n (meses) 19.0806540852
R2 S/. 384.30 R1 S/. 366.20
P S/. 5,760.81
b) S S/. 13,509.08
P S/. 10,200.00 e) P(18) S/. 5,760.81
I S/. 3,309.08 P/F(20,TEM2) S/. 0.67
X3= S/. 29.80
c) Pago (28) S/. 3,199.35
S/. 3,199.35 f) S S/. 13,579.24
P S/. 10,200.00
I S/. 3,379.24
TEM1 2.44%
TEM2 2.23%
TEQ2 1.11%
TEQ3 1.20%

P/F(5,TEM1) S/0.88645 P/F(8,TEM1) S/0.82460

P/F(2,TEM2) S/0.95694 P/F(6.5,TEM2 S/0.86671
P/F(4,TEM2) S/0.91573 P/F(9,TEM2) S/0.82031
P/A(5,TEQ2) S/4.83822
P/A(13,TEQ3) S/11.97427

Pagos
S/50,000.00 S/50,000.00
S/6,000.00 S/5,318.68
S/8,000.00 S/6,312.74
S/9,000.00 S/6,796.01
S/3,500.00 S/12,102.35
S/3,500.00 S/28,349.01
P= S/108,878.79