una empresa requiere adquirir un camión para el transporte de sus pedidos, que tiene un precios de $150 millones. revisa su flujo de caja y concluye que puede pagar cuotas fijas mensuales de $ 5.514.665, si la tasa de interés que se cobra es del 21% e.a., el crédito se puede adquirir con una plazo de
Respuestas
Respuesta:
El crédito de $150 millones a un interés anual de 21% se puede adquirir con un plazo de 37 meses y un pago mensual de $ 5.514.665
Explicación paso a paso:
Se puede calcular el plazo construyendo la siguiente tabla:
Col 1 Col 2 Col3 Col4 col5 col6
Mes Cuota Capital Intereses Capital + intereses Amortización
1 5.514.665 150.000.000 2.625.000 152.625.000 147.110.335
2 5.514.665 147.110.335 2.574.431 149.684.766 144.170.101
3 5.514.665 144.170.101 2.522.977 146.693.078 141.178.413
4 5.514.665 141.178.413 2.470.622 143.649.035 138.134.370
5 5.514.665 138.134.370 2.417.351 140.551.721 135.037.056
6 5.514.665 135.037.056 2.363.148 137.400.205 131.885.540
7 5.514.665 131.885.540 2.307.997 134.193.537 128.678.872
8 5.514.665 128.678.872 2.251.880 130.930.752 125.416.087
9 5.514.665 125.416.087 2.194.782 127.610.869 122.096.204
10 5.514.665 122.096.204 2.136.684 124.232.887 118.718.222
11 5.514.665 118.718.222 2.077.569 120.795.791 115.281.126
12 5.514.665 115.281.126 2.017.420 117.298.546 111.783.881
13 5.514.665 111.783.881 1.956.218 113.740.099 108.225.434
14 5.514.665 108.225.434 1.893.945 110.119.379 104.604.714
15 5.514.665 104.604.714 1.830.582 106.435.296 100.920.631
16 5.514.665 100.920.631 1.766.111 102.686.742 97.172.077
17 5.514.665 97.172.077 1.700.511 98.872.589 93.357.924
18 5.514.665 93.357.924 1.633.764 94.991.687 89.477.022
19 5.514.665 89.477.022 1.565.848 91.042.870 85.528.205
20 5.514.665 85.528.205 1.496.744 87.024.949 81.510.284
21 5.514.665 81.510.284 1.426.430 82.936.714 77.422.049
22 5.514.665 77.422.049 1.354.886 78.776.935 73.262.270
23 5.514.665 73.262.270 1.282.090 74.544.359 69.029.694
24 5.514.665 69.029.694 1.208.020 70.237.714 64.723.049
25 5.514.665 64.723.049 1.132.653 65.855.702 60.341.037
26 5.514.665 60.341.037 1.055.968 61.397.005 55.882.340
27 5.514.665 55.882.340 977.941 56.860.281 51.345.616
28 5.514.665 51.345.616 898.548 52.244.165 46.729.500
29 5.514.665 46.729.500 817.766 47.547.266 42.032.601
30 5.514.665 42.032.601 735.571 42.768.171 37.253.506
31 5.514.665 37.253.506 651.936 37.905.443 32.390.778
32 5.514.665 32.390.778 566.839 32.957.616 27.442.951
33 5.514.665 27.442.951 480.252 27.923.203 22.408.538
34 5.514.665 22.408.538 392.149 22.800.687 17.286.022
35 5.514.665 17.286.022 302.505 17.588.528 12.073.863
36 5.514.665 12.073.863 211.293 12.285.155 6.770.490
37 5.514.665 6.770.490 118.484 6.888.974 1.374.309
Col3 = col5 - col6
Col4 = col3x21% anual
Col5 = col3 + col4
Col6 = Col5-col2