Anualidad aplicada a la compra de vehículo ford ecosport
Enviado por Omar Gutiérrez • 5 de Julio de 2023 • Prácticas o problemas • 254 Palabras (2 Páginas) • 141 Visitas
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INSTITUTO POLITÉCNICO NACIONAL
ESCA TEPEPAN
MATERIA: Matemáticas Financieras
CARRERA: Contador Público
ALUMNO: Luis David González Moreno
ASESOR: JESUS ORDOÑEZ VÁZQUEZ
ACTIVIDAD 8
ANUALIDAD APLICADA A LA COMPRA DE
VEHÍCULO FORD ECOSPORT 2021
VERSIÓN TREND TM
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Este vehículo maneja un precio de contado de $387,700. Los plazos van desde los 12 meses hasta los 48 meses. Para este ejercicio se tomarán 24 meses como vigencia.
Solicita un enganche de $96,925 a una tasa anual del 11.99% capitalizable mensualmente. La renta no es fija, por lo que el resultado puede variar, dado que la primera renta es de $14,991 y la última es de $14,521.
Tasa nominal aplicada a cada pago mensual
0.1199/12=0.009992= 0.9992%mensual
Tasa de interés nominal anual
11.99%
Tasa efectiva anual
i= [(1+j/m) m]-1
j= [(1+0.1199/12) 12]-1
j= 0.126713
j= 12.6713%
TABLA DE AMORTIZACIÓN
RENTA | $14,991 | ||||
TASA | 0.009992 | MENSUAL | |||
PERIODO | SALDO INSOLUTO | INTERÉS ORDINARIO | IMPORTE A CAPITAL | IVA DE INTERESES | PAGO DEL PERIODO |
1 | $308,026 | $3,077.80 | $11,421 | $492.45 | $14,991.24 |
2 | $296,605.00 | $2,963.68 | $11,535.00 | $474.19 | $14,972.87 |
3 | $285,070.00 | $2,848.42 | $11,650.00 | $455.75 | $14,954.17 |
4 | $273,420.00 | $2,732.01 | $11,766.00 | $437.12 | $14,935.13 |
5 | $261,654.00 | $2,614.45 | $11,884.00 | $418.31 | $14,916.76 |
6 | $249,770.00 | $2,495.70 | $12,003.00 | $399.31 | $14,898.01 |
7 | $237,767.00 | $2,375.77 | $12,123.00 | $380.12 | $14,878.89 |
8 | $225,644.00 | $2,254.63 | $12,244.00 | $360.74 | $14,859.38 |
9 | $213,400.00 | $2,132.29 | $12,366.00 | $341.17 | $14,839.46 |
10 | $201,034.00 | $2,008.73 | $12,490.00 | $321.40 | $14,820.13 |
11 | $188,544.00 | $1,883.93 | $12,615.00 | $301.43 | $14,800.36 |
12 | $175,929.00 | $1,757.88 | $12,741.00 | $281.26 | $14,780.14 |
13 | $163,188.00 | $1,630.57 | $12,868.00 | $260.89 | $14,759.47 |
14 | $150,320.00 | $1,502.00 | $12,996.00 | $240.32 | $14,738.32 |
15 | $137,324.00 | $1,372.14 | $13,126.00 | $219.54 | $14,717.68 |
16 | $124,198.00 | $1,240.99 | $13,257.00 | $198.56 | $14,696.54 |
17 | $110,941.00 | $1,108.52 | $13,390.00 | $177.36 | $14,675.89 |
18 | $97,551.00 | $974.73 | $13,524.00 | $155.96 | $14,654.69 |
19 | $84,027.00 | $839.60 | $13,659.00 | $134.34 | $14,632.93 |
20 | $70,368.00 | $703.12 | $13,795.00 | $112.50 | $14,610.62 |
21 | $56,573.00 | $565.28 | $13,933.00 | $90.44 | $14,588.72 |
22 | $42,640.00 | $426.06 | $14,072.00 | $68.17 | $14,566.23 |
23 | $28,568.00 | $285.45 | $14,213.00 | $45.67 | $14,544.12 |
24 | $14,355.00 | $143.44 | $14,355.00 | $22.95 | $14,521.38 |
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