INTERES SIMPLE

intereses
periodo capital inicial capital final
3%
1 $ 5,000,000 $ 150,000
2 $ 150,000
3 $ 150,000
4 $ 150,000
5 $ 150,000
6 $ 150,000
$ 900,000 $ 5,900,000

INTERE COMPUESTO
intereses
periodo capital inicial capital final
3%
1 $ 5,000,000 $ 150,000 $ 5,150,000
2 $ 5,150,000 $ 154,500 $ 5,304,500
3 $ 5,304,500 $ 159,135 $ 5,463,635
4 $ 5,463,635 $ 163,909 $ 5,627,544
5 $ 5,627,544 $ 168,826 $ 5,796,370
6 $ 5,796,370 $ 173,891 $ 5,970,261

V.A. = V.P.

TASA EA (EFECTIVA
= 4 MESES MAS = DIVIDIR POR 12 MESES
ANUAL)

TASA NPER V.P. V.F.

9% 5 -5,000,000 $ 7,693,120

TASA NPER V.F. V.P.

2.5% 18 -4,000,000 $ 2,564,664

V.P. NPER V.F. TASA

-6,000,000 4 9,000,000 0.11

TASA V.P. V.F. NPER

1.75% -8,000,000 10,000,000 12.86

NPER V.F. TASA V.P.

18 45,000,000 2.25% -$ 30,148,993

NPER V.P. TASA EA V.F.

8 -25,000,000 0.94% $ 26,937,691

V.P. TASA V.F. NPER

-9,500,000 3.75% $ 19,000,000 19

V.P. NPER V.F. TASA

-60,000,000 24 $ 95,000,000 1.93%

V.P. NPER TASA V.F. V.P.

-35,000,000 6 3.50% $ 43,023,936 -20,000,000

V.P. NPER TASA V.F. 3.50%

-55,000,000 3 3.63% $ 61,209,550 3.75%

V.P. NPER TASA V.F.

 -40,000,000 12 3.63% $ 61,360,087

TASA MN (MENSUAL NOMINAL

TASA DE INTERES
PERIODOS
NOMINAL MENSUAL TASA
MENSUALES
(MN)
18% 12 1.5%

TASA DE INTRERES EFECTIVA MNA (MENSUAL NOMINAL

TASA DE INTERES
PERIODOS
EFECTIVA ANUAL TASA (MN)
TRIMESTRALES
(MNA)
18% 4 4.5%

TASA DE INTRERES EFECTIVA MNA (MENSUAL NOMINAL

TASA DE INTERES
PERIODOS
EFECTIVA ANUAL TASA (MN)
SEMESTRALES
(MNA)
18% 2 9.0%

INTERES NOMINAL A INTERES EFE

TASA NOMINAL NPER INTERES EFECTIVO

25% 12 28.07%

INTERES EFECTIVO A INTERES NO

INTERES EFECTIVO NPER TASA NOMINAL

25% 4 22.95%

INTERES PERIODICO A INTERES EFE

TASA NOMINAL NPER INTERES EFECTIVO

6.50% 4 13.65%
13.0%

INTERES EFECTIVO A INTERES PER

INTERES EFECTIVO NPER TASA NOMINAL

19% 12 17.52%

INTERES NOMINAL A INTERES NOM

TASA NOMINAL NPER TASA NOMINAL

22% 4 23.88%

INTERES EFECTIVO NPER TASA NOMINAL

23.88% 2 22.60%

APLICACIONES

13.55% TASA NM
14.42% EA
1.20% PM
 13.70% NT
6.97% PS
14.42% EA
1.19% PMA
3.61% PT

HALLAR LA TASA PM (PERIODICA MENSUAL)

35.00% EA 2.92%
28.75% NM 2.40%
23.55% NS 47.10% 23.55%
17.75% NTA 71.00% 41.52%
8.15% PS 4.00%

INDICAR EN CUAL ALTERNATIVA DEBE

CDT
350,000,000 INVERSION
12 MESES
7.85% PV 7.85% EA

ACCIONES
7.90% EA 7.90% EA

PRESTAMO
8.25% NM 8.57% EA

BONOS
8.75% NT 9.04% EA = INVIERTE

BONOS
7.95% EA 7.95% EA
 NPER TASA V.F. V.P. NPER TASA V.F.
3 3.75% $ 22,335,430 -55,000,000 1 4.25% $ 57,337,500

PROMEDIO
3.63%
N (MENSUAL NOMINAL)

A (MENSUAL NOMINAL ANTICIPADO) TRIMESTRAL

A (MENSUAL NOMINAL ANTICIPADO) SEMESTRAL

MINAL A INTERES EFECTIVO

ECTIVO A INTERES NOMINAL

IODICO A INTERES EFECTIVO

CTIVO A INTERES PERIODICO

MINAL A INTERES NOMINAL

APLICACIONES
ERIODICA MENSUAL) EQUIVALENTE AL

L ALTERNATIVA DEBE INVERTIR

MM 12
MPT 4
MPS 2
MEA 1

equivalenciuas de las tablas de interes

dividimos
de nominal modalidad aperiodica modalidad
25% NM 2.1% PM
33% NMT nominal Trimestral 8.3% PT
18% NS 9.0% MPS
12% NA 12% Efectiva Anual

multiplicamos
periodicas modalidad amominal

4.25% MM 51%
6% MPT 24%
15% MPS 30%
29% MEA 29%

equivalencias de las tasas de interes simples y compuestos

funciones que no se dividen ni se multiplican
nominal modalidad efectiva modalidad
23% MNM 26% MEA
38.50% MIN 44% MEA
18.56% MNS 19%
MEA

efectiva modalidad anominal

45.75% MNM 38.27%
45.75% MNT 39.50%
45.75% MPS 41.45%
45.75% MNA 45.75%

periodica modalidad efectiva

3.65% 43.80% MNM 53.76%
6.54% 26.16% MNT 28.84%
11.15% 22.30% MPS 23.54%

efectiva modalidad
38% EA PM PT
32.64% 33.54%
2.72% 8.39%

nominal modalidad
15% NT 14.06% 14.22%

NM NS
 23.15% 21%

tasa de interes antic modalidad

16% PSA PSVENSIDA
19.05%

ipc tasa ipc

tasa variable tasa ipc EA P TRIMESTRAL
7.55% 12% 20% 19.05%

valor presenta
series uniformes
un credito X oY
BP (350,000,000)
plaso 2 semstres
tasa 32.58% EA

ayar la periodica mensual y el valor de la cuota y el valor total

tasa nominal TN tasa mensual

28.54% 2.38%

total de la cuota
$ 181,266,612.15

valor futuro (55,000,000)

plaso 1.5 años 18
tasa efectiva anual 12.50%

ayar la tasa periodica mensual

el valor de la cuota
el valor acumulado
ayar intereses ganados
} anual mensual
tasa 11.84% 0.99%

valora pago total pago

$ 2,807,334.76 $ 50,532,025.73

un porestamo de 1,500,000
3 36
ts 0.24
valor futuro
ayar valor futuro interes simple
2,580,000.00

P N pERIODOS interes simple valor futuro

1500000 3 0.24 2580000
interes capitalizable
1500000 3 0.013824 2859936

pag 12 punto 41. una empresa adquirió un crédito bancario por $95.000.000
a una tasa DTF más 9 puntos. A que tasa EA, PM, PS, NS o NTA le fue
otorgado el crédito? (consulte en un periodico, en su pagina de Internet en
cuanto esta la DTF el día de hoy)

Marzo 28 a Abril
03 de 2011 3.65 3.57 2.78
3.68

CREDITO BANCARIO $ 95,000,000 PUNTOS

DTF 3.68% 9%
3.77%
EFECTIVO ANUAL 3.84%
PERIODO MENSUAL 3.80% 1.89%
PERIODICA SEMESTR 3.80% 1.90%
NOMINA SEMESTRAL 1.9%
NOMINA TRIMESTARL 3.58%
NT 3.7%
 20 9% 1.8
20 0.09 1.8

modalidad

PS
34.95%
17.47%

14.48%
4% 24%
intereses acumulados
$ 4,467,974.27

2.73

13.01%
Dividimos Denominal Modalidad A. Periodoca Modalidad
25% NM 2.08% PM
33% NT 8.25% PT
18% NS 9% PS
12% NA 12% EA

Multiplicamo Periodica Modalidad A.Nominal Modalidads

4.25% PM 51% PM
6% PT 24% NT
15% PS 30% NS
29% EA 29% NA

Funciones q no se dividen ni se multiplican

Nominal Modalidad Efectiva Modalidad
23% NM 25.6% EA
38.50% IE 44.42% EA
18.56% NS 19.42% EA

Efectiva Modalidad Efectiva Modalidad

45.75% EA 38% NM
39.5% NT
41% NS
45.75% NA

Përiodoca Modalidad Efectiva Modalidad TN

3.65% PM 43.80% EA 53.8%
6.54% PT 26.2% EA 28.8%
11.15% PS 22.3% EA 24%

38% EA PM PT PS

2315%
9.75 2.75% 2.68%
TIV
DTF EA PM NM
DTF 9.6% 19.47% 17.93% 1.49%
9%
TABLA DE AMORTIZACION CON CUOTAS IGUALES
VP 15,000,000
TASA 32.59 EA
PLAZO 3 AÑOS 36 MESES

AYAR VALOR DE LA CUOTA, VALOR PAGO, AYAR INTERESES, TOTAL PAGADO

VP PLAZO TASA TASA ANUAL TASA MENSUAL # CUATA

(15,000,000) 36 32.59% 28.54% 2.38% $ 624,865.13

MES TASA MENSUAL PAGO A CAPITAL CUAOTA INTERES MENSUAABONO A CAPITAL MENS
1 28.54% 15,000,000 $ 624,865.13 $ 208,198.46 $ 416,666.67
2 28.54% 14,583,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
3 28.54% 14,166,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
4 28.54% 13,750,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
5 28.54% 13,333,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
6 28.54% 12,916,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
7 28.54% 12,500,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
8 28.54% 12,083,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
9 28.54% 11,666,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
10 28.54% 11,250,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
11 28.54% 10,833,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
12 28.54% 10,416,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
13 28.54% 10,000,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
14 28.54% 9,583,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
15 28.54% 9,166,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
16 28.54% 8,750,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
17 28.54% 8,333,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
18 28.54% 7,916,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
19 28.54% 7,500,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
20 28.54% 7,083,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
21 28.54% 6,666,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
22 28.54% 6,250,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
23 28.54% 5,833,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
24 28.54% 5,416,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
25 28.54% 5,000,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
26 28.54% 4,583,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
27 28.54% 4,166,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
28 28.54% 3,750,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
29 28.54% 3,333,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
30 28.54% 2,916,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
31 28.54% 2,500,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
32 28.54% 2,083,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
33 28.54% 1,666,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
34 28.54% 1,250,000.00 $ 624,865.13 $ 208,198.46 $ 416,666.67
35 28.54% 833,333.33 $ 624,865.13 $ 208,198.46 $ 416,666.67
36 28.54% 416,666.67 $ 624,865.13 $ 208,198.46 $ 416,666.67
$ 7,495,144.74 $ 15,000,000.00
ABONO A CAPITAL INTERESES
$ 22,495,144.74 7,495,144.74

$ 356,791.57 $ 268,073.56 14,731,926.44

TOTAL PAGADO MES PAGO A CAPITAL CUAOTA

1 15,000,000 $ 624,865.13
2 14,985,136.89 $ 624,865.13
3 $ 624,865.13
4 $ 624,865.13
5 $ 624,865.13
6 $ 624,865.13
7 $ 624,865.13
8 $ 624,865.13
9 $ 624,865.13
10 $ 624,865.13
11 $ 624,865.13
12 $ 624,865.13
13 $ 624,865.13
14 $ 624,865.13
15 $ 624,865.13
16 $ 624,865.13
17 $ 624,865.13
18 $ 624,865.13
19 $ 624,865.13
20 $ 624,865.13
21 $ 624,865.13
22 $ 624,865.13
23 $ 624,865.13
24 $ 624,865.13
25 $ 624,865.13
26 $ 624,865.13
27 $ 624,865.13
28 $ 624,865.13
29 $ 624,865.13
30 $ 624,865.13
31 $ 624,865.13
 32 $ 624,865.13
33 $ 624,865.13
34 $ 624,865.13
35 $ 624,865.13
36 $ 624,865.13
$ 22,495,144.74
INTERES MENSUALABONO A CAPITA TOTAL PAGADO
$ 14,863.11 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
 $ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 208,198.46 $ 416,666.67
$ 7,301,809.38 $ 15,000,000.00 $ 22,301,809.38