Documentos de Académico
Documentos de Profesional
Documentos de Cultura
CASO 2
i=
EJERCICIO 3
PARA UNA TASA DEL
PASO 2
PASO 3
TALLER
1.
a.
2.
3.
SOLUCIN
1.
TASA NOMINAL
a.
b.
c.
d.
SEMANA VENCIDA
QUINCENA VENCIDA
CUATRIMESTRE VENCIDO
HORAS
MINUTOS
SEGUNDOS
2.
TASA NOMINAL
3.
TASA ANUAL ANTICIPADA
EFECTIVA
FORMULAS DE E
1.
EJEMPLO 1
SE DEPOSITA EN UNA INSTITUCION BAN
CUANTO SE TIENE ACUMULADO AL CAB
SI LA INSTITUCION PAGA SOBRE SALDO
VA = P
VF = F
n = NPER
TASA = i
PAGO = A
2.
3.
A = PAGO
(1 i ) n 1
F A
4.
n
(
1
i
)
A F
5.
JOHANNA QUIERE COMPRAR UNA CAMI
VALOR DE LA CAMIONETA
CUOTA INICIAL
VALOR A FINANCIAR
TASA
TENEMOS 3 PLANES
AOS
ANUAL
5
6
7
37,928,396
35,054,812
33,143,422
60
72
84
P
TASA
PLAZO
TASA MENSUAL
TIEMPO
0
1
2
3
4
5
6
7
8
9
10
P
PERIODO
TASA
TIEMPO
0
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
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
SA DEL
NA
EFECTIVA
120%
213.84%
i=
36.00%
iv = 0,36 / ( 1 - 0,36)
iv =
56.25%
TASA
36.00% NA
tasa efectiva anual equivalente a una tasa nominal del 35.87%, s sta se cobra o capit
tasa de inters efectiva para 20 das equivalente a una tasa de inters nominal anual d
35.87%
FC
52
24
3
ENCIDA
RE VENCIDO
ANTICIPADA
8,760
525,600
31,536,000
2.7182818
27.87%
FC
18
28.57%
40.00%
40.00%
FORMULAS DE EQUIVALENCIA DE DINERO EN EL DIA
F = P(1 + I)n
F
(1 i ) n
5,782,201
35,000,000
7
29.3334%
0
(1 i ) n 1
F A
(1 i ) 1
A
1 i ) n 1
VA = P
VF = F
n = NPER
TASA = i
PAGO = A
VA = P
VF = F
n = NPER
TASA = i
PAGO = A
(1 i ) n 1
P A
n
{
i (1 i )
TIEMPO
PRECIO AUTOMOVIL
60 $
32,674,424
72 $
34,943,008
84 $
36,669,829
VF = F
VA=P
n = NPER
TASA = i
PAGO = A
32674423.7855468
32,674,424
60
2.30%
855,000
TABLAS DE AMORTIZACION
SALDO INICIAL
$
10,000,000
$
10,000,000
$
9,081,584
$
8,145,930
$
7,192,714
$
6,221,608
$
5,232,274
$
4,224,371
CUOTA=PAGO
$
$
$
$
$
$
$
1,106,109
1,106,109
1,106,109
1,106,109
1,106,109
1,106,109
1,106,109
$
$
$
3,197,551 $
2,151,458 $
1,085,730 $
1,106,109
1,106,109
1,106,109
90000000
60
1.00%
SALDO INICIAL
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
90,000,000
90,000,000
89,710,742
89,418,590
89,123,518
88,825,495
88,524,491
83,220,478
82,863,424
82,502,800
82,138,569
81,770,696
81,399,145
76,023,878
75,594,858
75,161,548
74,723,905
74,281,886
73,835,446
CUOTA=PAGO
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
68,384,542
67,879,129
67,368,662
66,853,090
66,332,363
65,806,428
60,275,234
59,688,728
59,096,357
58,498,062
57,893,784
57,283,463
51,667,039
50,994,451
50,315,137
49,629,030
48,936,062
48,236,164
42,529,267
41,765,302
40,993,696
40,214,375
39,427,260
38,632,274
32,829,338
31,968,373
31,098,799
30,220,528
29,333,475
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
$
$
$
$
$
$
$
$
$
$
$
$
$
28,437,551
22,532,668
21,568,737
20,595,166
19,611,859
18,618,719
17,615,648
11,602,546
10,529,313
9,445,347
8,350,542
7,244,789
6,127,979
$
$
$
$
$
$
$
$
$
$
$
$
$
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
1,189,258
TASA
EFECTIVA
CAPITALIZA
PAGADERA
CONVERTIBLE
DIA
SEMANA
QUINCENA
MES
BIMESTRE
TRIMESTRE
CUATRIMESTRE
SEMESTRE
AO
EFECTIVA ANUAL
EA EQUIVALENTE?
EFECTIVA
42.97%
42.77%
40.33%
43.15%
43.15%
43.15%
43.15%
EFECTIVA
31.86%
EL DIA
5,000,000
7
26.00%
29.3334%
n
i)
MENSUAL
ANUAL
VA = P
VF = F
n = NPER
TASA = i
PAGO = A
i (1 i ) n
A P
n
(
1
i
)
90,000,000
0
60
2.30%
2,780,546
PAGO INTERES
$
$
$
$
$
$
$
ABONO A CAPITAL
187,693
170,455
152,893
135,002
116,775
98,206
79,288
$
$
$
$
$
$
$
918,416
935,654
953,216
971,107
989,334
1,007,903
1,026,820
$
$
$
60,016 $
40,381 $
20,378 $
PAGO INTERES
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
1,046,093
1,065,727
1,085,730
ABONO A CAPITAL
900,000
897,107
894,186
891,235
888,255
885,245
832,205
828,634
825,028
821,386
817,707
813,991
760,239
755,949
751,615
747,239
742,819
738,354
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
289,258
292,151
295,073
298,023
301,004
304,014
357,054
360,624
364,230
367,873
371,551
375,267
429,020
433,310
437,643
442,019
446,440
450,904
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
683,845
678,791
673,687
668,531
663,324
658,064
602,752
596,887
590,964
584,981
578,938
572,835
516,670
509,945
503,151
496,290
489,361
482,362
425,293
417,653
409,937
402,144
394,273
386,323
328,293
319,684
310,988
302,205
293,335
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
505,413
510,467
515,572
520,728
525,935
531,194
586,506
592,371
598,295
604,278
610,321
616,424
672,588
679,314
686,107
692,968
699,898
706,897
763,966
771,605
779,321
787,115
794,986
802,936
860,965
869,575
878,270
887,053
895,924
$
$
$
$
$
$
$
$
$
$
$
$
$
284,376
225,327
215,687
205,952
196,119
186,187
176,156
116,025
105,293
94,453
83,505
72,448
61,280
$
$
$
$
$
$
$
$
$
$
$
$
$
904,883
963,932
973,571
983,307
993,140
1,003,071
1,013,102
1,073,233
1,083,965
1,094,805
1,105,753
1,116,811
1,127,979
FC
360
52
24
12
6
4
3
2
1
AOS
NAMV
TASA EFECTIVA ANUAL
EA
90,000,000
0
72
2.30%
2,569,882
855,000
5,000,000
SALDO FINAL
$
10,000,000
$
9,081,584
$
8,145,930
$
7,192,714
$
6,221,608
$
5,232,274
$
4,224,371
$
3,197,551
$
$
$
2,151,458
1,085,730
-
SALDO FINAL
$
$
$
$
$
$
5,000,000 $
$
$
$
$
$
5,000,000 $
$
$
$
$
$
5,000,000 $
90,000,000
89,710,742
89,418,590
89,123,518
88,825,495
88,524,491
83,220,478
82,863,424
82,502,800
82,138,569
81,770,696
81,399,145
76,023,878
75,594,858
75,161,548
74,723,905
74,281,886
73,835,446
68,384,542
5,000,000
5,000,000
5,000,000
5,000,000
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
67,879,129
67,368,662
66,853,090
66,332,363
65,806,428
60,275,234
59,688,728
59,096,357
58,498,062
57,893,784
57,283,463
51,667,039
50,994,451
50,315,137
49,629,030
48,936,062
48,236,164
42,529,267
41,765,302
40,993,696
40,214,375
39,427,260
38,632,274
32,829,338
31,968,373
31,098,799
30,220,528
29,333,475
28,437,551
5,000,000 $
$
$
$
$
$
5,000,000 $
$
$
$
$
$
5,000,000 $
22,532,668
21,568,737
20,595,166
19,611,859
18,618,719
17,615,648
11,602,546
10,529,313
9,445,347
8,350,542
7,244,789
6,127,979
0
EFECTIVA ie
ANTICIPADA
43.36%
43.51%
43.72% P1
44.12% P2
44.95% P3
45.83%
46.74%
48.72%
56.25%
3.00%
3.09%
44.12%
90,000,000
0
84
2.30%
2,429,757