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HONDURAS
Asignatura:
Matemtica Financiera
Catedrtico:
Alumna:
Cuenta:
Tarea:
Ejercicios resueltos de los mdulos del primer
parcial
P = 256,258.00
D = 1.5%
mensual T = 3
aos
VE = 45,230.00
P = VE t = 75 das
1-dt d = 43% / 365 0.001178082
100
P= 45,230.00
1- 0.001178082*75 =
49,613.68
VE = P (1 dt) P = 1,200,000.00
D = 22% / 100 = 0.22
T = 60 meses
120,000.00 1, 200,000.00-
120,000.00
= 1, 080,000.00
T = P VE P=
100,000.00 p * d
VE =
87,250.00
100
T = 100,000.00-87,250.00= 5.80
100,000.00*0.022
P = VE VE = 50,000.00
1-dt T =25
meses D =
23%
9. Usted tiene Lps 8,256.00 pero necesita completar Lps15, 000.00 para
reparar un carro. Qu cantidad de dinero debo pedir prestado si me
aplican una tasa de descuento del 8% bimestral, a pagar en 12 meses?
P = VE VE = 15,000.00
D = pdt P = 30,000.00
T = 1.5
30,000.00-1458.00 = 28,542.00
Cada mes P=
1,200,000.00 I= Pit =1, 200,000.00*0.02*66
T = 5.5 * 12 =
66
I = Lps. 1, 584,000.00 I =24%/12/100 = 0.02
Cada quincena
P = 1, 200,000.00
I= Pit =1, 200,000.00*0.01*132 T = 5.5 * 24 = 132
I = Lps. 1, 584,000.00 I =24%/24/100 = 0.01
Cada 20 das si el ao es
200,000.00*0.013333333*99
I = Lps. 1, 584,000.00 I =24%/18/100 = 0.01333333
Cada Cuatrimestre.
P = 1, 200,000.00
I= Pit =1, 200,000.00*0.08*16.5 T = 5.5 * 3 = 16.5
I = Lps. 1, 584,000.00 I =24%/3/100 = 0.08
p = 25,000.00 i = 25,000.00*0.026666*15
t = 15 meses = Lps. 10,000.00
i = 16%/6/100= 0.026666
p = 25,000.00 i = 25,000.00*0.02666*7.5
t = 15 meses/2 =7.5 = Lps. 5,000.00
i = 16%6/100= 0.026666
p = 25,000.00 i = 25,000.00*0.026666*30
t = 15 meses*2 = 30 = Lps. 20,000.000
i = 16%/6/100= 0.026666
t en meses (32/12/100)=0.02666
6
I =520*0.02666*15
i en bimestres =208.00
(32/6/100)=0.05333
I = 520*0.05333*7.5
= 208.00
t en das, ao (32/360/100) =
financiero 0.0008888
I=
t en semestres 520*0.0008888*450
(32/2/100) = 0.16
I = 520*0.16*2.5
= 208.00
i trimestral (32/4/100) = 0.08
I = 520*0.08*5
= 208.00
t en quincenas (32/24/100) =
0.01333
I = 520*0.01333*30
= 208.00
t en semanas (32/48/100) =
0.00666
I = 520*0.00666*60
i semanal = 208.00 =
(32/48/100)
0.00666
I = 520*0.00666*60
i diario = 208.00 =
(32/360/100)
0.00088
I = 520*0.00088*450
= 208.00
p = 5,000.00 I = 5,000.00*0.08*6
t = 6 meses =Lps.2, 400.00 pagara en intereses
i = 8 % mensual
36/12/100 = 0.03
mensual
100,000.00*0.015*24
=36,000.00
100,000.00+36,000.00
=136,000.00
12. Estamos convencidos que para lograr nuestro objetivo de tener una
mejor calidad de vida, nuestros ingresos anuales deben aumentar el
20% con respecto al ao anterior. Si actualmente nuestro salario anual
es de Lps 120,000 por ao, cunto esperamos ganar en el 2013?
p = 120,000.00
i = 20% /100 = 0.2
t= 1 ao
120,000.00*0.2*1 =24,000.00
800*0.2*30 = Lps.
480
10/4/100=0.025
semanal
1,280.00*0.025*5=
160.00
p=
12,000.00
i = 3.5/12/100 =
0.0029166
t= 24 meses
12,000.00*0.002916666*22 = Lps.770.00
4.5/12/100 = 0.00375
12,000.00*0.00375*2 = Lps.
90
2. A que tasa debo pagar un prstamo que lo pact para realizar pagos
bimestrales y la tasa base es el 5% mensual.
5*12= 60% bimestral
11. La urgencia por pagar los gastos mdicos incurridos en una clnica
privada me llevaron a utilizar fondos de un usurero quien me prest al
12% mensual. Si me compromet a realizar un nico pago dentro de 4
meses, Qu tasa debo de pagar por concepto de intereses?
12*4= 48% en concepto de inters
Ejercicios.
Vp = 120.00
VF = vp (1+it) i = 36%/100
= 0.36 t= 12
Vp =
5,000.00
t = vf-vp vf = 750.00
(vp)i i = 18%/12/100= 0.09 mensual
VF = 12,000.00
I = 36%/360/100= 0.001
diario T = 71 das
I= 12,000.00-
11204.49
Lps. 795.51
Vp = 17,000.00
I = 24% 24/198/100= 0.0012
T = 198
VF = 13,000.00
I =0.5% /12/100=0.000416
VF = 52,765.00
I = 2.275% *30/100= 0.6825
T = 46 das
Vp= 19,700.00
I = 3.25 mensual/360/100 = 0.000090277
T = 4 meses = 121 das
Vp=26,600.00
I = 8.11%/30/100 = 0.002703
T = 29 das
10. Una empresa desea depositar Lps.975, 000.00 a una plazo de 182
das y deber decidir si deposita el dinero en el Banco A que paga
10.37% de inters comercial, o en el Banco B que paga 10.83% de
inters exacto. Qu banco conviene elegir?
Vp = 975,000.00
I = 10.37/260/100 = 0.0002880
T = 182 das
Banco b:
VF = 975,000.00 (0.0002968*182) = Lps. 1, 027,667.16
Vp = 7,000.00
I = 3.57% mensual/12/100 =
0.002975 T = 60 das
VF = 144,780.00
I = 98% /12/100 = 0.08167
T = 3 meses
16. Cierto individuo ofrece prstamos que l llama cincuenta sobre mil
por quincena. Esto significa que por cada Lps.1, 000.00 tomados en
prstamo, el prestamista cobra Lps.50.00 de inters cada quincena.
Calcule la tasa de inters anual cobrada por el prestamista.
VF = 326,367.53
VP = 325,000.00
T = 28 das
I = vf vp = 326,367.53-325,000.00 = 1,367.53 =
0.0001502% diaria
(vp)t 325,000*28 9,
Vf = 586.80
Vp = 540
T = 51 das
Vp = 3,800.00
Vf = 3,974.17
I = 22=/12/100= 0.01833
Vp = 21,000.00
Vf= 1,306.67
I = 40%/12/100= 0.033 mensual
T = 1,306.67-21,000.00 1,306.67 = 40
21,000.00*0.033 0.033
Ser el 28 de septiembre
21. El 20 de marzo la seora Prez invierte Lps.11, 600.00 a una tasa del
8.34% anual. Qu da retira su inversin si obtiene un monto de
Lps.11, 891.56? Utilice ao natural.
VP = 11,600.00
VF = 11,891.56
I = 8.34/12/100 = 0.00695
VF= 19,125.00
T = 3 meses