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  1. Hortencia desea vender un collar de perlas y recibe el 18 de abril las siguientes ofertas.
    . de contado.
    . de enganche y se firma un pagaré por con vencimiento el 15 de
    agosto.
  • de pago inicial y se firman dos pagarés; uno por a 30 días de plazo y
    otro por con fecha de vencimiento el 5 de julio.
    ¿Cuál oferta le conviene más si el rendimiento normal del dinero es de mensual?

Ask by Allan Hammond. in Mexico
Mar 27,2025

Solución de inteligencia artificial de Upstudy

Respuesta verificada por el tutor

Responder

La oferta que más conviene a Hortencia es la segunda opción, que incluye un pago inicial de $5,000 y un pagaré de $14,800 con vencimiento el 15 de agosto.

Solución

  1. Se pide comparar las 3 ofertas calculando el valor presente de cada una al 18 de abril utilizando una tasa de interés mensual .
  2. Oferta 1: Pago de contado
    • Un solo pago de en la fecha.
    • Valor presente:
  3. Oferta 2: Pago de enganche y pagaré a 15 de agosto
    • Pago inicial de el 18 de abril.
    • Un pagaré de con vencimiento el 15 de agosto.
    • Calcular el tiempo transcurrido desde el 18 de abril hasta el 15 de agosto:
      • Días restantes de abril: días.
      • Mayo: 31 días.
      • Junio: 30 días.
      • Julio: 31 días.
      • Agosto: 15 días.
      • Total de días: días.
      • Convertimos a meses (asumiendo 30 días por mes):
    • Valor presente del pagaré:
      é
      Primero, calculamos el factor de descuento:
      Luego:
      é
    • Valor presente total de la oferta:
  4. Oferta 3: Pago inicial y dos pagarés
    • Pago inicial de el 18 de abril.
    • Primer pagaré de a 30 días (vencimiento el 18 de mayo).
    • Segundo pagaré de con fecha de vencimiento el 5 de julio.
    • Para el primer pagaré, mes:
      é
    • Para el segundo pagaré, se calcula desde el 18 de abril hasta el 5 de julio:
      • Días en abril: días.
      • Mayo: 31 días.
      • Junio: 30 días.
      • Julio: 5 días.
      • Total de días: días.
      • En meses:
      • Entonces:
        é
        Calculamos el factor:
        y
        é
    • Valor presente total de la oferta:
  5. Comparación de valores presentes:
    • Oferta 1:
    • Oferta 2:
    • Oferta 3:
    La más alta es la Oferta 2.
  6. Conclusión:
    La oferta que más conviene a Hortencia es la Oferta 2.

Respondido por UpStudy AI y revisado por un tutor profesional

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Bonus Knowledge

Para elegir la mejor oferta, es importante calcular el valor presente de cada una considerando un rendimiento normal del dinero del 1.77% mensual. La oferta de contado es sencilla, ya que son . Para las otras dos ofertas, necesitaríamos descontar los pagos futuros al valor presente, restando las tasas de interés al montante que se pagará en el futuro. El resultado de estos cálculos te ayudará a decidir cuál es más conveniente.
Imagina que haces esto como un juego de estrategia financiera. Si tomas el valor presente, estás buscando cómo cada oferta se ajusta a tus necesidades de flujo de efectivo. Recuerda que la opción más alta al presente se traduce en mejores decisiones por tu parte. ¡Así que, armando tu calculadora y un poco de estrategia, elige con sabiduría!

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