Reference no: EM133103548
Question - It recognizes the variables that intervene in the operations carried out with each financial product and service, and performs the necessary mathematical calculations to value each product.
1. Find out the value of a farm today, if it produces semiannual post payable income in perpetuity of € 2,800. The operation is valued at 5% annual cash.
2. Calculate the Present Value of a rent of € 280 per month, payable for 5 years, if the valuation amount is 10% per year and the rent is: a) Immediate post payable. b) Immediate prepayable. c / Deferred 3 years and post payable. d) Deferred for 3 years and prepayable.
3. A self-employed person deposited in a bank 7 years ago € 12,000 at 5% per annum. Today, with the amount obtained, carry out the following operations: Pay a debt that amounts to 5% of the amount. Pay cash for a car, the cost of which is 36 past due monthly payments of € 350. The rest is deposited in the company's cash register to meet current liabilities. Calculate: The amount of the final amount or capital. b) The amount of the debt. c) The amount deposited in the cash register of the company.
4. Clerta company has requested a 4-year loan, and made constant monthly payments of 200 E. If the amount applied is 0.75% effective per month, it calculates the Final Value of the loan if we value it after 5 years of concession.
5. A businesswoman is considering expanding her business. To do this, she should request a loan of € 20,000 10% per year, for 15 years. The first payment will be made within months of contracting the operation, and the payments will be quarterly and prepayable. Calculate the amount of loan payments.
6. A self-employed owner of a rented premises charges a quiler of € 900 per month at the beginning of each month. Community fees are also paid at the beginning of each month, amounting to € 30 per month. Calculate the present value of the net income provided by said investment, if we consider that the income from the rent is perpetual. Annual effective interest: 8%.
7. The owner of a store purchases a new air conditioning unit, the cost of which amounts to € 500, and proceeds to pay for it with a credit card. Through the service cio on-line of the bank, requests a deferment of the payment and. For this reason, the bank will start charging a fixed monthly amount to your checking account for the next few months. If the effective annual interest of the operation is 15% per year, calculate the amount of the monthly payments that you will have to make to pay off your debt.
8. The company Win, S. L., is dedicated to the manufacture of juices and needs to renew a vertical tank with a capacity of 10 000 liters. The tank supplier offers you the following financing conditions: pay € 5,000 in cash and the rest through 12 monthly payments (at the beginning of each month of € 600 each, starting with the first payment 3 months after the purchase. Calculate the purchase price. Effective annual interest: 9%.
9. The company Chavell, SL is formed by three partners who are brothers. Their father has recently passed away and they would like to invest an amount equivalent to 25% of he- The company is in the process of expansion.The assets that the brothers have inherited are the following: a) An orange farm, which reports annual net profits of approximately € 100,000. b) A premises of their property that is leased and for which they receive a net monthly rent of € 1800. The rental contract has a duration of 5 years. c) € 300,000 in cash. What is the current value of the inheritance? What amount can they allocate to expanding the business? Both of valuation: 6% annual cash.
10. An entrepreneur has been making monthly deposits of € 500, at the end of each month and for 5 years, in a savings account, with the aim of raising capital and opening a business. Over the years, he decides to invest the accumulated amount in creating a new company. How much money will he have to carry out his project? Annual effective interest: 7%.
11. An individual goes to a financial institution, since he is interested in hiring a pension plan, so that within 25 years he can redeem € 40,000. What amount will you have to enter at the end of each year in the pension plan, if the plan manager promises you an average return of 3% per year?
12. A company has made deposits of € 2,000 every six months for 6 years at the beginning of each year, with the aim of raising capital that allows it to renew an item of fixed assets. 8 years after starting the tax, they decide to buy the fixed assets. How much do you have to make the investment? Interest: 1% effective monthly.