Crecimiento economico

“Año de la integración nacional y el reconocimiento
de nuestra diversidad”
Universidad Nacional Del Callao
Facultad de Ciencias
Económicas

Asignatura: Matemática Financiera

Profesor: Huber Javier, Orihuela Astete

Tema: Repago de deudas

Aula: 12E

Integrantes:
* BaldeonHuaccho, Marianne
* Garate Zegarra, Josefina
* Zapaille Flores, Glisset
* Poma Luja,Susan Fiorella
* Soto Paniagua, Gina Sandra
* Villegas Almestar, Adam

TASA DE SEGURO DE GRAVAMEN
TSG=P*i*n
1er Paso:Transformar de tasa anual a tasa mensual
TMSG=(1+0.006)1/12-1 =0.0004867550565

2do paso:Calcular la tasa para cada mes
Fecha operativa | Seguro de gravamen | Total pagado |
19.01.12 | 9810*0.0004867550565*1 | 4.89 |
19.02.12 |95992.67*0.0004867550565*1 | 4.78 |
19.03.12 | 9372*0.0004867550565*1 | 4.67 |
19.04.12 | 9142.65*0.0004867550565*1 | 4.56 |
19.05.12 | 8917.17*0.0004867550565*1 | 4.45 |
01.06.12 | 8685.43*0*1 | 0 |
Total pagado 23.35 |

Fecha operativa | Seguro de gravamen | Total pagado |
19.06.12 | 4685.43*0.0004867550565*1 |2.34 |
19.07.12 | 4580.50*0.0004867550565*1 | 2.28 |
19.08.12 | 4451.97*0.0004867550565*1 | 2.22 |
19.09.12 | 4323.68*0.0004867550565*1 | 2.16 |
19.10.12 | 4193.82*0.0004867550565*1 | 2.09 |
19.11.12 | 4060.72*0.0004867550565*1 | 2.02 |
19.12.12 | 3927.64*0.0004867550565*1 | 1.96 |
19.01.13 | 3791.38*0.0004867550565*1 | 1.89 |
19.02.13 |3655.02*0.0004867550565*1 | 1.82 |
19.03.13 | 3516.98*0.0004867550565*1 | 1.75 |
19.04.13 | 3373.09*0.0004867550565*1 | 1.68 |
19.05.13 | 3231.61*0.0004867550565*1 | 1.61 |
19.06.13 | 3087.12*0.0004867550565*1 | 1.54 |
19.07.13 | 2942.13*0.0004867550565*1 | 1.47 |
19.08.13 | 2794.22*0.0004867550565*1 | 1.39 |
19.09.13 | 2645.66*0.0004867550565*1 | 1.32 |
19.10.13 |2495.28*0.0004867550565*1 | 1.24 |
19.11.13 | 2342.08*0.0004867550565*1 | 1.17 |
19.12.13 | 2187.99*0.0004867550565*1 | 1.09 |
19.01.14 | 2031.15*0.0004867550565*1 | 1.01 |
19.02.14 | 1873.25*0.0004867550565*1 | 0.93 |
19.03.14 | 1713.43*0.0004867550565*1 | 0.85 |
19.04.14 | 1549.63*0.0004867550565*1 | 0.77 |
19.05.14 | 1385.85*0.0004867550565*1 | 0.69 |
19.06.14 |1219.51*0.0004867550565*1 | 0.61 |
19.07.14 | 1051.69*0.0004867550565*1 | 0.52 |
19.08.14 | 881.41*0.0004867550565*1 | 0.44 |
19.09.14 | 709.46*0.0004867550565*1 | 0.35 |
19.10.14 | 535.40*0.0004867550565*1 | 0.27 |
19.11.14 | 359.01*0.0004867550565*1 | 0.18 |
19.12.14 | 180.67*0.0004867550565*1 | 0.09 |
Total por pagar39.75 |

CÀLCULO DE INTERES
DATO:
TASA DE INTERES CONPENSATORIA EFECTIVA ANUAL : 14.49% = APROX. 15%
CUOTAS: 31
PRESTAMO: $9, 810.00

PASO 1: CONVERSIÓN DE LA TASA EFECTIVA ANUAL A UNA TASA EFECTIVA MENSUAL

TEM=(1+0.15)1/12-1=0.011714991692

PASÓ 2: CÁLCULO DE LOS INTERESES POR MESES

SEA EL CÁLCULO DE LA CUOTA INTERES:
I=saldo capital×i
Sea este “i”
Tasade interés compensatoria mensual 121.15-1=0.01171491692
Cuando n tiene el valor de:
01 | I=9810×0.01171491692=114.9 |
02 | I=9,592.67×0.01171491692=112.38 |
03 | I=9,372.70×0.01171491692=109.80 |
04 | I=9,142.65×0.01171491692=107.1 |
05 | I=8,917.17×0.01171491692=104.46 |
06 | no se completo el mes |
El total pagado durante los meses transcurridos asciende a un monto de S/. 548.6401 | I=4685.43×0.01171491692=54.89 |
02 | I=4580.50×0.01171491692=53.66 |
03 | I=4451.97×0.01171491692=52.15 |
04 | I=4323.68×0.01171491692=50.65 |
05 | I=4193.82×0.01171491692=49.13 |
06 | I=4060.72×0.01171491692=47.57 |
07 | I=3927.64×0.01171491692=46.01 |
08 | I=3791.38×0.01171491692=44.52 |
09 | I=3655.02×0.01171491692=42.82 |
10 | I=3516.98×0.01171491692=41.20 |
11 |...