Examen Final De

Excel
Financiero

Saturday, April 13, 2019

Datos del Alumno
Apellidos Nombres JAMES ALEX GRAOS BENITE
Codigo 42744367
Docente Ing. Jose Yepez Fernandez
 nal De
l
ero

il 13, 2019
Alumno
MES ALEX GRAOS BENITE
2744367
ng. Jose Yepez Fernandez
 SE PIDE CALCULAR EL INTERES SIMPLE

Vanesa solicita un prestamo de S/. 6 300.00 y un banco le cobra una tasa Cathi solicita un
de interés del 13% semestral cuando transcurren los cuatro semestres tasa de interés
¿Cuánto sera el interés simple? ¿Cuánto sera el

PRESTAMO S/. 6,300.00

TASA 13%
TIEMPO 4 SEMESTRES
S/. 3,276.00

Cual fue el capital que invertí para obtener un interes de S/. 48,
600.00, sabiendo que la tasa de interes semestral fue del 36% en un
lapso de 14 meses.
R EL INTERES SIMPLE

Cathi solicita un prestamo de S/. 15 010.00 y un banco le cobra una

tasa de interés quincelnal del 2.3% por un periodo de 3 cuatrimestres
¿Cuánto sera el interés simple?

PRESTAMO S/. 15,010.00

TASA 2.30%
TIEMPO 3
S/. 1,035.69

Cual fue el capital que invertí para obtener un interes de S/. 52, 350.00,
sabiendo que la tasa de interes bimensual fue del 6% en un lapso de 12
semestres.
 SE PIDE CALCULAR EL INTERES SIMPLE
SE PIDE CALCULAR EL INTERES Moratorio SIMPLE, Valor Futuro y Total a

Se realizó un prestamo S/. 240 000 en 8 meses a una tasa de interes del 20% anual pero se tuvo un atraso de 1
un interes moratorio del 3% por día; ¿a cuanto haciende el monto de la mora, y el total a pagar?

PRESTAMO S/. 240,000.00

TASA 20 1.6666666667
NPER 8
INT.MORATORIO 3%

PAGO S/.400,156.49
PAGO TOTAL
TERES SIMPLE
PLE, Valor Futuro y Total a Pagar

pero se tuvo un atraso de 10 dias por lo que la entidad financiera aplicó

tal a pagar?
 SE PIDE CALCULAR EL CAPITAL FINAL (INTERES COMPUESTO)

Evelyn solicita un prestamo de S/. 15000 y el banco le cobra una tasa de interés del 15%
anual cuando transcurren los 3 cuatrimestres ¿Cuánto sera el interés Compuesto?

PRESTAMO S/. 15,000.00

TASA 15% 0.0125
NPER 48

S/.978,425.82
s del 15%
to?
 Se Pide realizar los siguientes Calculos :
**)El Interes Simple x Periodo Mensual
**)El Interes Compuesto x Periodo Mensual
**)El Interes Variable x Periodo Mensual
**)Realizar Un Grafico Estadistico en la Misma Hoja De Trabajo

CAPITAL INICIAL (P) S/. 4,500.00

TASA (I) Anual 60%
PERIODO - Mensual (N) 15

PERIODOS TASA VARIABLE

1 2.17%
2 2.96%
3 2.10%
4 2.42%
5 2.90%
6 2.22%
7 2.13%
8 2.17%
9 2.33%
10 2.87%
11 2.15%
12 2.36%
13 2.47%
14 2.16%
15 2.81%
Total
 CAPITAL FINAL
INTERES SIMPLE INTERES COMPUESTO INTERES VARIABLE
S/. 2,700.00 S/. 7,200.00 S/. 4,596.65
S/. 5,400.00 S/. 11,520.00 S/. 4,631.20
S/. 8,100.00 S/. 18,432.00 S/. 4,591.50
S/. 10,800.00 S/. 29,491.20 S/. 4,604.90
S/. 13,500.00 S/. 47,185.92 S/. 4,625.50
S/. 16,200.00 S/. 75,497.47 S/. 4,593.90
S/. 18,900.00 S/. 120,795.96 S/. 4,588.85
S/. 21,600.00 S/. 193,273.53 S/. 4,589.65
S/. 24,300.00 S/. 309,237.65 S/. 4,595.85
S/. 27,000.00 S/. 494,780.23 S/. 4,619.15
S/. 29,700.00 S/. 791,648.37 S/. 4,585.75
S/. 32,400.00 S/. 1,266,637.40 S/. 4,594.20
S/. 35,100.00 S/. 2,026,619.83 S/. 4,598.15
S/. 37,800.00 S/. 3,242,591.73 S/. 4,583.20
S/. 40,500.00 S/. 5,188,146.77 S/. 4,611.45
S/. 324,000.00 S/. 13,823,058.06 S/. 69,009.90
 Se realiza un prestamo por S/. 14 600 a una tasa de interes Anual del 8% por un periodo de 3 años.
¿Se desea saber cual es la cuota mensual que se va abonar al banco?

VA S/. 14,600.00
TASA 8% 0.67%
NPERE 3 36

S/.457.51

Se realiza un prestamo por S/. 13 895.00 a una tasa de interes bimensual del 7.3% por un periodo de 3 semestres.
¿Se desea saber cual es la cuota mensual que se va abonar al banco?

VA S/. 13,895.00
TASA 7.30% 3.65%
NPER 3 18

S/.1,066.62
3 años.

periodo de 3 semestres.
 Se realiza un prestamo por S/. 10 650 a una tasa de interes Anual del 8% por un periodo de 3 años.
¿Se desea saber cual es la cuota mensual que se va abonar al banco, Tambien se pide realizar el desglose de la cuota del 1

VA S/. 10,650.00
TASA 8% 0.67%
NPER 3 36

S/.333.73

Se realiza un prestamo por S/. 24 412.50 soles a una tasa de interes trimestral del 16.3% por un periodo de 16 Meses.
¿Se desea saber cual es la cuota mensual que se va abonar al banco, el pago del Interes y capital de la 5ta cuota?

VA S/. 24,412.50
TASA 16.30% 5.43%
NPER 16 DESGLOSE
NPERIODO
S/.2,322.55 INTERES
CAPITAL
TOTAL A PAGAR
3 años.
r el desglose de la cuota del 1er periodo?

DESGLOSE CUOTA
NPERIODO 1
INTERES S/.71.00
CAPITAL S/.262.73
TOTAL A PAGAR S/.333.73

or un periodo de 16 Meses.
apital de la 5ta cuota?

CUOTA
5
S/.1,091.63
S/.1,230.92
S/.2,322.55
 Se pide Realizar el Siguiente Cronograma de Pagos:
-El Prestamo es de S/. 225 650 en 60 meses a una tasa efectiva quincenal del 5%
-La Fecha de Prestamo se Realizo el Dia: 24-01-2018
**Se debe tener en cuenta si el cronograma de pago cae Domingo debe de pasar al Siguiente dia, se pide tambien que
** Aplicar EL Metodo Frances
** Aplicar EL Metodo Aleman

VA S/. 225,650.00
TASA 5% 10.00%
NPER 60

S/.22,639.35

Tabla de Amortización

Amortizacion
Periodo Fecha Pago Dia
(Capital Amortizado)
0 1/24/2018 Sábado
1 2/24/2018 Saturday S/.74.35
2 3/24/2018 Tuesday S/.81.79
3 4/24/2018 Thursday S/.89.97
4 5/24/2018 Sunday S/.98.96
5 6/24/2018 Tuesday S/.108.86
6 7/24/2018 Friday S/.119.75
7 8/24/2018 Monday S/.131.72
8 9/24/2018 Wednesday S/.144.89
9 10/24/2018 Saturday S/.159.38
10 11/24/2018 Monday S/.175.32
11 12/24/2018 Thursday S/.192.85
12 1/24/2019 Sunday S/.212.14
13 2/24/2019 Sunday S/.233.35
14 3/24/2019 Wednesday S/.256.69
15 4/24/2019 Friday S/.282.36
16 5/24/2019 Monday S/.310.59
17 6/24/2019 Wednesday S/.341.65
18 7/24/2019 Saturday S/.375.82
19 8/24/2019 Tuesday S/.413.40
20 9/24/2019 Thursday S/.454.74
21 10/24/2019 Sunday S/.500.21
22 11/24/2019 Tuesday S/.550.24
23 12/24/2019 Friday S/.605.26
24 1/24/2020 Monday S/.665.79
25 2/24/2020 Tuesday S/.732.36
26 3/24/2020 Friday S/.805.60
27 4/24/2020 Sunday S/.886.16
28 5/24/2020 Wednesday S/.974.78
29 6/24/2020 Friday S/.1,072.26
30 7/24/2020 Monday S/.1,179.48
31 8/24/2020 Thursday S/.1,297.43
32 9/24/2020 Saturday S/.1,427.17
33 10/24/2020 Tuesday S/.1,569.89
34 11/24/2020 Thursday S/.1,726.88
35 12/24/2020 Sunday S/.1,899.57
36 1/24/2021 Wednesday S/.2,089.52
37 2/24/2021 Wednesday S/.2,298.47
38 3/24/2021 Saturday S/.2,528.32
39 4/24/2021 Monday S/.2,781.15
40 5/24/2021 Thursday S/.3,059.27
41 6/24/2021 Saturday S/.3,365.20
42 7/24/2021 Tuesday S/.3,701.72
43 8/24/2021 Friday S/.4,071.89
44 9/24/2021 Sunday S/.4,479.08
45 10/24/2021 Wednesday S/.4,926.98
46 11/24/2021 Friday S/.5,419.68
47 12/24/2021 Monday S/.5,961.65
48 1/24/2022 Thursday S/.6,557.81
49 2/24/2022 Thursday S/.7,213.60
50 3/24/2022 Sunday S/.7,934.96
51 4/24/2022 Tuesday S/.8,728.45
52 5/24/2022 Friday S/.9,601.30
53 6/24/2022 Sunday S/.10,561.43
54 7/24/2022 Wednesday S/.11,617.57
55 8/24/2022 Saturday S/.12,779.32
56 9/24/2022 Monday S/.14,057.26
57 10/24/2022 Thursday S/.15,462.98
58 11/24/2022 Saturday S/.17,009.28
59 12/24/2022 Tuesday S/.18,710.21
60 1/24/2023 Saturday S/.20,581.23
5%

sar al Siguiente dia, se pide tambien que se muestre el nombre de los dias

de Amortización

Saldo (Capital) Remanente

Amortizacion
Interes Cuota
Acumulada
(Saldo Que nos va Quedando)

S/. 225,650.00
S/.22,565.00 S/. 225,575.65 S/.74.35 ###
S/.22,557.56 S/. 225,493.86 S/.156.14 ###
S/.22,549.39 S/. 225,403.89 S/.246.11 ###
S/.22,540.39 S/. 225,304.92 S/.345.08 ###
S/.22,530.49 S/. 225,196.06 S/.453.94 ###
S/.22,519.61 S/. 225,076.32 S/.573.68 ###
S/.22,507.63 S/. 224,944.59 S/.705.41 ###
S/.22,494.46 S/. 224,799.70 S/.850.30 ###
S/.22,479.97 S/. 224,640.31 S/.1,009.69 ###
S/.22,464.03 S/. 224,464.99 S/.1,185.01 ###
S/.22,446.50 S/. 224,272.14 S/.1,377.86 ###
S/.22,427.21 S/. 224,060.00 S/.1,590.00 ###
S/.22,406.00 S/. 223,826.64 S/.1,823.36 ###
S/.22,382.66 S/. 223,569.95 S/.2,080.05 ###
S/.22,357.00 S/. 223,287.60 S/.2,362.40 ###
S/.22,328.76 S/. 222,977.00 S/.2,673.00 ###
S/.22,297.70 S/. 222,635.35 S/.3,014.65 ###
S/.22,263.53 S/. 222,259.53 S/.3,390.47 ###
S/.22,225.95 S/. 221,846.13 S/.3,803.87 ###
S/.22,184.61 S/. 221,391.39 S/.4,258.61 ###
S/.22,139.14 S/. 220,891.17 S/.4,758.83 ###
S/.22,089.12 S/. 220,340.94 S/.5,309.06 ###
S/.22,034.09 S/. 219,735.68 S/.5,914.32 ###
S/.21,973.57 S/. 219,069.89 S/.6,580.11 ###
S/.21,906.99 S/. 218,337.53 S/.7,312.47 ###
S/.21,833.75 S/. 217,531.93 S/.8,118.07 ###
S/.21,753.19 S/. 216,645.76 S/.9,004.24 ###
S/.21,664.58 S/. 215,670.99 S/.9,979.01 ###
S/.21,567.10 S/. 214,598.73 S/.11,051.27 ###
S/.21,459.87 S/. 213,419.25 S/.12,230.75 ###
S/.21,341.93 S/. 212,121.82 S/.13,528.18 ###
S/.21,212.18 S/. 210,694.65 S/.14,955.35 ###
S/.21,069.47 S/. 209,124.76 S/.16,525.24 ###
S/.20,912.48 S/. 207,397.89 S/.18,252.11 ###
S/.20,739.79 S/. 205,498.32 S/.20,151.68 ###
S/.20,549.83 S/. 203,408.80 S/.22,241.20 ###
S/.20,340.88 S/. 201,110.32 S/.24,539.68 ###
S/.20,111.03 S/. 198,582.00 S/.27,068.00 ###
S/.19,858.20 S/. 195,800.85 S/.29,849.15 ###
S/.19,580.08 S/. 192,741.58 S/.32,908.42 ###
S/.19,274.16 S/. 189,376.39 S/.36,273.61 ###
S/.18,937.64 S/. 185,674.67 S/.39,975.33 ###
S/.18,567.47 S/. 181,602.78 S/.44,047.22 ###
S/.18,160.28 S/. 177,123.71 S/.48,526.29 ###
S/.17,712.37 S/. 172,196.72 S/.53,453.28 ###
S/.17,219.67 S/. 166,777.04 S/.58,872.96 ###
S/.16,677.70 S/. 160,815.39 S/.64,834.61 ###
S/.16,081.54 S/. 154,257.58 S/.71,392.42 ###
S/.15,425.76 S/. 147,043.98 S/.78,606.02 ###
S/.14,704.40 S/. 139,109.03 S/.86,540.97 ###
S/.13,910.90 S/. 130,380.58 S/.95,269.42 ###
S/.13,038.06 S/. 120,779.28 S/.104,870.72 ###
S/.12,077.93 S/. 110,217.86 S/.115,432.14 ###
S/.11,021.79 S/. 98,600.29 S/.127,049.71 ###
S/.9,860.03 S/. 85,820.96 S/.139,829.04 ###
S/.8,582.10 S/. 71,763.71 S/.153,886.29 ###
S/.7,176.37 S/. 56,300.72 S/.169,349.28 ###
S/.5,630.07 S/. 39,291.44 S/.186,358.56 ###
S/.3,929.14 S/. 20,581.23 S/.205,068.77 ###
S/.2,058.12 S/. 0.00 S/.225,650.00 ###
 METODO ALEMAN

PERIODO PRESTAMO SALADO REMANENTE AMORTIZACION

0 S/. 225,650.00 S/. 225,650.00

1 S/. 221,889.17 S/. 3,760.83
2 S/. 218,128.33 S/. 3,760.83
3 S/. 214,367.50 S/. 3,760.83
4 S/. 210,606.67 S/. 3,760.83
5 S/. 206,845.83 S/. 3,760.83
6 S/. 203,085.00 S/. 3,760.83
7 S/. 199,324.17 S/. 3,760.83
8 S/. 195,563.33 S/. 3,760.83
9 S/. 191,802.50 S/. 3,760.83
10 S/. 188,041.67 S/. 3,760.83
11 S/. 184,280.83 S/. 3,760.83
12 S/. 180,520.00 S/. 3,760.83
13 S/. 176,759.17 S/. 3,760.83
14 S/. 172,998.33 S/. 3,760.83
15 S/. 169,237.50 S/. 3,760.83
16 S/. 165,476.67 S/. 3,760.83
17 S/. 161,715.83 S/. 3,760.83
18 S/. 157,955.00 S/. 3,760.83
19 S/. 154,194.17 S/. 3,760.83
20 S/. 150,433.33 S/. 3,760.83
21 S/. 146,672.50 S/. 3,760.83
22 S/. 142,911.67 S/. 3,760.83
23 S/. 139,150.83 S/. 3,760.83
24 S/. 135,390.00 S/. 3,760.83
25 S/. 131,629.17 S/. 3,760.83
26 S/. 127,868.33 S/. 3,760.83
27 S/. 124,107.50 S/. 3,760.83
28 S/. 120,346.67 S/. 3,760.83
29 S/. 116,585.83 S/. 3,760.83
30 S/. 112,825.00 S/. 3,760.83
31 S/. 109,064.17 S/. 3,760.83
32 S/. 105,303.33 S/. 3,760.83
33 S/. 101,542.50 S/. 3,760.83
34 S/. 97,781.67 S/. 3,760.83
35 S/. 94,020.83 S/. 3,760.83
36 S/. 90,260.00 S/. 3,760.83
37 S/. 86,499.17 S/. 3,760.83
38 S/. 82,738.33 S/. 3,760.83
39 S/. 78,977.50 S/. 3,760.83
40 S/. 75,216.67 S/. 3,760.83
41 S/. 71,455.83 S/. 3,760.83
42 S/. 67,695.00 S/. 3,760.83
43 S/. 63,934.17 S/. 3,760.83
44 S/. 60,173.33 S/. 3,760.83
45 S/. 56,412.50 S/. 3,760.83
46 S/. 52,651.67 S/. 3,760.83
47 S/. 48,890.83 S/. 3,760.83
48 S/. 45,130.00 S/. 3,760.83
49 S/. 41,369.17 S/. 3,760.83
50 S/. 37,608.33 S/. 3,760.83
51 S/. 33,847.50 S/. 3,760.83
52 S/. 30,086.67 S/. 3,760.83
53 S/. 26,325.83 S/. 3,760.83
54 S/. 22,565.00 S/. 3,760.83
55 S/. 18,804.17 S/. 3,760.83
56 S/. 15,043.33 S/. 3,760.83
57 S/. 11,282.50 S/. 3,760.83
58 S/. 7,521.67 S/. 3,760.83
59 S/. 3,760.83 S/. 3,760.83
60 -S/. 0.00 S/. 3,760.83
INTERES CUOTA

S/. 22,565.00 S/. 26,325.83

S/. 22,188.92 S/. 25,949.75
S/. 21,812.83 S/. 25,573.67
S/. 21,436.75 S/. 25,197.58
S/. 21,060.67 S/. 24,821.50
S/. 20,684.58 S/. 24,445.42
S/. 20,308.50 S/. 24,069.33
S/. 19,932.42 S/. 23,693.25
S/. 19,556.33 S/. 23,317.17
S/. 19,180.25 S/. 22,941.08
S/. 18,804.17 S/. 22,565.00
S/. 18,428.08 S/. 22,188.92
S/. 18,052.00 S/. 21,812.83
S/. 17,675.92 S/. 21,436.75
S/. 17,299.83 S/. 21,060.67
S/. 16,923.75 S/. 20,684.58
S/. 16,547.67 S/. 20,308.50
S/. 16,171.58 S/. 19,932.42
S/. 15,795.50 S/. 19,556.33
S/. 15,419.42 S/. 19,180.25
S/. 15,043.33 S/. 18,804.17
S/. 14,667.25 S/. 18,428.08
S/. 14,291.17 S/. 18,052.00
S/. 13,915.08 S/. 17,675.92
S/. 13,539.00 S/. 17,299.83
S/. 13,162.92 S/. 16,923.75
S/. 12,786.83 S/. 16,547.67
S/. 12,410.75 S/. 16,171.58
S/. 12,034.67 S/. 15,795.50
S/. 11,658.58 S/. 15,419.42
S/. 11,282.50 S/. 15,043.33
S/. 10,906.42 S/. 14,667.25
S/. 10,530.33 S/. 14,291.17
S/. 10,154.25 S/. 13,915.08
S/. 9,778.17 S/. 13,539.00
S/. 9,402.08 S/. 13,162.92
S/. 9,026.00 S/. 12,786.83
S/. 8,649.92 S/. 12,410.75
S/. 8,273.83 S/. 12,034.67
S/. 7,897.75 S/. 11,658.58
S/. 7,521.67 S/. 11,282.50
S/. 7,145.58 S/. 10,906.42
S/. 6,769.50 S/. 10,530.33
S/. 6,393.42 S/. 10,154.25
S/. 6,017.33 S/. 9,778.17
S/. 5,641.25 S/. 9,402.08
S/. 5,265.17 S/. 9,026.00
S/. 4,889.08 S/. 8,649.92
S/. 4,513.00 S/. 8,273.83
S/. 4,136.92 S/. 7,897.75
S/. 3,760.83 S/. 7,521.67
S/. 3,384.75 S/. 7,145.58
S/. 3,008.67 S/. 6,769.50
S/. 2,632.58 S/. 6,393.42
S/. 2,256.50 S/. 6,017.33
S/. 1,880.42 S/. 5,641.25
S/. 1,504.33 S/. 5,265.17
S/. 1,128.25 S/. 4,889.08
S/. 752.17 S/. 4,513.00
S/. 376.08 S/. 4,136.92