bono

tasa nominal
anual
mensual
interes nominal mensual
interes nominal anual

1000000
30%
2.5%
25000
300000

TASA DE INTERES EFECTIVA

TE = ((1+i) ^ (P1/P2))-1
TE: Es la tasa equivalente que se quiere encontrar.
i: Es la tasa de inters que se nos da [18% en el ejemplo aqu expuesto].
P1: Es el periodo de pago actual [18% anual en el ejemplo].
P2: Es el periodo de pago a que se quiere llegar [mensual en el ejemplo].
TE
i
P1
P2
TASA EFECTIVA MENSUAL

18%
1 AO
MENSUAL
1.3888%

1
tasa nominal
anual
mensual
semestral
trimestral
bimestral

28%
2.3%
14.0%
7.00%
4.67%
2

Convertir la tasa Nominal Anual del 28% a una tasa Efectiva Mensual.
TEM
1834.28%
3

Convertir una tasa Nominal Anual del 37% a una tasa Efectiva Mensual.
TEM
4271.66%
4
Prstamo:
$36,000,000
Tasa:
12.5%
Tasa:
1.04%
Periodo o Tiempo
7
periodos mensuales
84
pago mensual
$645,165

anual
mensual
aos
meses

#PAGO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

PAGO INTERES
$375,000.00
$372,185.79
$369,342.26
$366,469.11
$363,566.03
$360,632.71
$357,668.84
$354,674.09
$351,648.15
$348,590.68
$345,501.37
$342,379.88
$339,225.87
$336,039.01
$332,818.95
$329,565.35
$326,277.86
$322,956.13
$319,599.79
$316,208.49
$312,781.86
$309,319.54
$305,821.16
$302,286.33
$298,714.68

26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72

$295,105.83
$291,459.38
$287,774.95
$284,052.14
$280,290.56
$276,489.78
$272,649.42
$268,769.06
$264,848.27
$260,886.64
$256,883.75
$252,839.15
$248,752.43
$244,623.14
$240,450.83
$236,235.06
$231,975.38
$227,671.32
$223,322.44
$218,928.25
$214,488.29
$210,002.07
$205,469.13
$200,888.97
$196,261.10
$191,585.02
$186,860.23
$182,086.23
$177,262.50
$172,388.52
$167,463.77
$162,487.72
$157,459.83
$152,379.58
$147,246.40
$142,059.75
$136,819.08
$131,523.81
$126,173.38
$120,767.23
$115,304.75
$109,785.38
$104,208.51
$98,573.56
$92,879.90
$87,126.93
$81,314.04

73
74
75
76
77
78
79
80
81
82
83
84

$75,440.60
$69,505.97
$63,509.53
$57,450.62
$51,328.60
$45,142.81
$38,892.58
$32,577.25
$26,196.13
$19,748.54
$13,233.79
$6,651.18

PAGO CAPITAL
$270,164.58
$272,978.80
$275,822.33
$278,695.48
$281,598.55
$284,531.87
$287,495.75
$290,490.49
$293,516.44
$296,573.90
$299,663.21
$302,784.70
$305,938.71
$309,125.57
$312,345.63
$315,599.23
$318,886.72
$322,208.46
$325,564.80
$328,956.10
$332,382.72
$335,845.04
$339,343.43
$342,878.26
$346,449.90

SALDO
$35,729,835.42
$35,456,856.62
$35,181,034.29
$34,902,338.82
$34,620,740.26
$34,336,208.39
$34,048,712.64
$33,758,222.15
$33,464,705.71
$33,168,131.82
$32,868,468.61
$32,565,683.90
$32,259,745.19
$31,950,619.62
$31,638,273.99
$31,322,674.76
$31,003,788.04
$30,681,579.59
$30,356,014.79
$30,027,058.69
$29,694,675.97
$29,358,830.93
$29,019,487.50
$28,676,609.25
$28,330,159.34

$350,058.76
$353,705.20
$357,389.63
$361,112.44
$364,874.03
$368,674.80
$372,515.16
$376,395.53
$380,316.31
$384,277.94
$388,280.84
$392,325.43
$396,412.15
$400,541.45
$404,713.75
$408,929.52
$413,189.20
$417,493.26
$421,842.15
$426,236.34
$430,676.30
$435,162.51
$439,695.45
$444,275.61
$448,903.48
$453,579.56
$458,304.35
$463,078.35
$467,902.09
$472,776.07
$477,700.82
$482,676.87
$487,704.75
$492,785.01
$497,918.18
$503,104.83
$508,345.51
$513,640.77
$518,991.20
$524,397.36
$529,859.83
$535,379.20
$540,956.07
$546,591.03
$552,284.68
$558,037.65
$563,850.54

$27,980,100.59
$27,626,395.38
$27,269,005.75
$26,907,893.31
$26,543,019.28
$26,174,344.49
$25,801,829.32
$25,425,433.80
$25,045,117.48
$24,660,839.54
$24,272,558.70
$23,880,233.27
$23,483,821.12
$23,083,279.67
$22,678,565.92
$22,269,636.39
$21,856,447.19
$21,438,953.93
$21,017,111.79
$20,590,875.45
$20,160,199.15
$19,725,036.64
$19,285,341.19
$18,841,065.58
$18,392,162.10
$17,938,582.53
$17,480,278.19
$17,017,199.83
$16,549,297.75
$16,076,521.68
$15,598,820.87
$15,116,144.00
$14,628,439.25
$14,135,654.24
$13,637,736.06
$13,134,631.23
$12,626,285.72
$12,112,644.94
$11,593,653.75
$11,069,256.39
$10,539,396.56
$10,004,017.36
$9,463,061.29
$8,916,470.26
$8,364,185.57
$7,806,147.92
$7,242,297.38

$569,723.99
$575,658.61
$581,655.05
$587,713.96
$593,835.98
$600,021.77
$606,272.00
$612,587.33
$618,968.45
$625,416.04
$631,930.79
$638,513.40

$6,672,573.40
$6,096,914.79
$5,515,259.73
$4,927,545.77
$4,333,709.79
$3,733,688.02
$3,127,416.02
$2,514,828.68
$1,895,860.23
$1,270,444.19
$638,513.40
$0.00