TABLA DE INTERES Y DE ANUALIDADES PARA CA

PAGO UNICO SERIE UNIFORME DE PAGOS

Factor futuro Factor presente Factor futuro serie Fondo amortizacin
N F/P P/F F/A A/F
1 1.2155 0.8227067051 1 1
2 1.47744025 0.6768463226 2.2155 0.4513653803
3 1.7958286239 0.5568460079 3.69294025 0.2707869427
4 2.1828296923 0.4581209443 5.4887688739 0.1821902184
5 2.653229491 0.3768991726 7.6715985662 0.130350929
6 3.2250004463 0.3100774765 10.3248280572 0.0968539132
7 3.9199880425 0.255102819 13.5498285035 0.0738016721
8 4.7647454657 0.2098747997 17.4698165461 0.0572415856
9 5.7915481135 0.1726654049 22.2345620117 0.0449750258
10 7.039626732 0.1420529863 28.0261101253 0.035681013
11 8.5566662927 0.1168679443 35.0657368572 0.0285178664
12 10.4006278788 0.0961480414 43.62240315 0.0229240007
13 12.6419631867 0.0791016383 54.0230310288 0.0185106237
14 15.3663062534 0.0650774482 66.6649942155 0.0150003763
15 18.6777452511 0.053539653 82.031300469 0.0121904687
16 22.7027993527 0.0440474315 100.70904572 0.0099295946
17 27.5952526132 0.0362381173 123.4118450727 0.0081029499
18 33.5420295513 0.029813342 151.0070976858 0.0066222053
19 40.7703369196 0.0245276364 184.5491272371 0.0054186114
20 49.5563445258 0.0201790509 225.3194641567 0.004438143
21 60.2357367711 0.0166014405 274.8758086825 0.0036380066
22 73.2165380452 0.0136581164 335.1115454536 0.002984081
23 88.994701994 0.011236624 408.3280834988 0.0024490111
24 108.1730602737 0.0092444459 497.3227854928 0.0020107665
25 131.4843547627 0.0076054676 605.4958457665 0.001651539
26 159.819233214 0.0062570692 736.9802005292 0.0013568886
27 194.2602779717 0.0051477328 896.7994337433 0.0011150765
28 236.1233678746 0.0042350743 1091.059711715 0.0009165401
29 287.0079536515 0.003484224 1327.1830795895 0.0007534755
30 348.8581676634 0.0028664944 1614.1910332411 0.0006195054
31 424.0371027949 0.0023582842 1963.0492009045 0.0005094116
32 515.4170984472 0.0019401762 2387.0863036994 0.0004189208
33 626.4894831626 0.001596196 2902.5034021467 0.0003445302
34 761.4979667841 0.0013132011 3528.9928853093 0.000283367
35 925.6007786261 0.0010803794 4290.4908520934 0.0002330736
36 1125.0677464201 0.0008888354 5216.0916307195 0.0001917144
37 1367.5198457736 0.0007312508 6341.1593771396 0.0001576999
38 1662.2203725378 0.0006016049 7708.6792229132 0.0001297239
39 2020.4288628197 0.0004949444 9370.8995954509 0.0001067133
40 2455.8312827573 0.0004071941 11391.328458271 8.778607374E-05
41 2985.0629241915 0.0003350013 13847.159741028 0.000072217
42 3628.3439843548 0.0002756078 16832.22266522 5.940986047E-05
43 4410.2521129833 0.0002267444 20460.566649574 4.887450172E-05
44 5360.6614433311 0.0001865441 24870.818762558 4.020776355E-05
45 6515.883984369 0.0001534711 30231.480205889 3.307810247E-05
46 7920.0569830005 0.0001262617 36747.364190258 2.721283613E-05
47 9626.8292628371 0.0001038764 44667.421173258 2.238768153E-05
48 11701.410968979 8.545977939E-05 54294.250436095 1.841815647E-05
49 14223.065032793 7.030833352E-05 65995.661405074 1.515251122E-05
50 17288.13554736 5.784313741E-05 80218.726437867 1.246591718E-05
51 21013.728757817 4.758793699E-05 97506.861985228 1.025568847E-05
52 25542.187305126 3.915091484E-05 118520.59074305 8.437352478E-06
53 31046.528669381 3.220972015E-05 144062.77804817 6.941418273E-06
54 37737.055597632 2.649915273E-05 175109.30671755 5.710718743E-06
55 45869.391078922 0.000021801 212846.36231518 4.698224527E-06
56 55754.24485643 1.793585408E-05 258715.75339411 3.86524588E-06
57 67769.28462299 1.475594741E-05 314469.99825054 0.00000318
58 82373.565459245 1.213981687E-05 382239.28287353 2.616162296E-06
59 100125.06881571 9.987508741E-06 464612.84833277 2.15232963E-06
60 121702.0211455 8.216790408E-06 564737.91714848 1.770732883E-06
61 147928.80670235 0.00000676 686439.93829398 1.456791693E-06
62 179807.46454671 5.561504371E-06 834368.74499633 1.198510857E-06
63 218555.97315653 4.575486936E-06 1014176.2095431 0.000000986
64 265654.78537176 3.764283781E-06 1232732.1826996 8.112062085E-07
65 322903.39161937 3.096901507E-06 1498386.9680713 6.673843415E-07
66 392489.07251335 2.547841634E-06 1821290.3596907 5.490612711E-07
67 477070.46763997 2.096126396E-06 2213779.432204 4.517161852E-07
68 579879.15341638 1.724497241E-06 2690849.899844 3.716297962E-07
69 704843.11097762 1.418755443E-06 3270729.0532604 3.057422317E-07
70 856736.80139329 1.167219616E-06 3975572.164238 2.515361208E-07
71 1041363.5820936 9.60279404E-07 4832308.9656313 2.069404103E-07
72 1265777.4340347 0.00000079 5873672.5477249 1.702512341E-07
73 1538552.4710692 0.00000065 7139449.9817596 1.400668122E-07
74 1870110.5285846 5.347277526E-07 8678002.4528287 1.152338923E-07
75 2273119.3474946 4.399241074E-07 10548112.981413 9.480368685E-08
76 2762976.5668797 3.619285129E-07 12821232.328908 0.000000078
77 3358398.0170422 2.977610143E-07 15584208.895788 6.416751769E-08
78 4082132.7897148 0.000000245 18942606.91283 5.279104426E-08
79 4961832.4058984 2.015384475E-07 23024739.702545 4.34315442E-08
80 6031107.2893695 1.658070321E-07 27986572.108443 3.573142134E-08
81 7330810.9102286 1.364105571E-07 34017679.397812 2.939647906E-08
82 8910600.6613828 1.122258799E-07 41348490.308041 2.418467984E-08
83 10830835.103911 9.232898391E-08 50259090.969424 1.989689787E-08
84 13164880.068804 0.000000076 61089926.073335 1.636931102E-08
85 16001911.723631 6.249253322E-08 74254806.142138 1.346714175E-08
86 19450323.700073 5.14130261E-08 90256717.865769 1.107950769E-08
87 23641868.457439 4.22978413E-08 109707041.56584 9.115185185E-09
 88 28736691.110017 3.479871765E-08 133348910.02328 7.499123914E-09
89 34929448.044226 2.862913833E-08 162085601.1333 6.169579488E-09
90 42456744.097757 2.355338407E-08 197015049.17752 5.075754386E-09
91 51606172.450823 1.9377527E-08 239471793.27528 4.175857149E-09
92 62727302.613975 1.594202139E-08 291077965.7261 3.435505664E-09
93 76245036.327287 1.311560789E-08 353805268.34008 2.826413537E-09
94 92675841.655817 1.079029855E-08 430050304.66737 2.325309363E-09
95 112647485.53265 8.877250968E-09 522726146.32318 1.913047601E-09
96 136923018.66493 7.303373894E-09 635373631.85583 1.573877086E-09
97 166429929.18722 0.000000006 772296650.52076 1.29483923E-09
98 202295578.92707 4.943261762E-09 938726579.70799 1.065272915E-09
99 245890276.18586 4.066854597E-09 1141022158.6351 8.764071692E-10
100 298879630.70391 3.345828545E-09 1386912434.8209 7.210260539E-10
F/P P/F F/A A/F
ANUALIDADES PARA CAPITALIZACIN DISCRETA
TASA: i= 22%

SERIE UNIFORME DE PAGOS FACTOR GRADIENTE

Factor recuperacin Presente serie Serie gradiente Presente gradiente
A/P P/A A/G P/G
1.2155 0.8227067051 0 0
0.6668653803 1.4995530276 0.4513653803 0.6768463226
0.4862869427 2.0563990355 0.8707154144 1.7905383383
0.3976902184 2.5145199798 1.2586502381 3.1649011713
0.345850929 2.8914191525 1.6159877263 4.6724978619
0.3123539132 3.2014966289 1.9437425572 6.2228852442
0.2893016721 3.4565994479 2.2431011388 7.7535021581
0.2727415856 3.6664742476 2.5153935724 9.2226257556
0.2604750258 3.8391396525 2.7620638879 10.6039489948
0.251181013 3.9811926388 2.9846397675 11.8824258719
0.2440178664 4.0980605831 3.1847028736 13.0511053152
0.2384240007 4.1942086245 3.3638607503 14.1087337708
0.2340106237 4.2733102629 3.5237210744 15.0579534309
0.2305003763 4.3383877111 3.6658688243 15.9039602582
0.2276904687 4.3919273642 3.7918467269 16.6535154005
0.2254295946 4.4359747957 3.9031391455 17.3142268734
0.2236029499 4.4722129129 4.0011594032 17.8940367496
0.2221222053 4.502026255 4.087240394 18.4008635644
0.2209186114 4.5265538914 4.1626282315 18.8423610197
0.219938143 4.5467329423 4.228478609 19.2257629873
0.2191380066 4.5633343828 4.2858555075 19.5577917973
0.218484081 4.5769924992 4.3357318688 19.844612242
0.2179490111 4.5882291232 4.3789918571 20.0918179689
0.2175107665 4.5974735691 4.4164343566 20.3044402239
0.217151539 4.6050790367 4.4487773789 20.4869714463
0.2168568886 4.6113361059 4.4766630977 20.643398176
0.2166150765 4.6164838386 4.5006632655 20.7772392282
0.2164165401 4.6207189129 4.5212848103 20.8915862335
0.2162534755 4.6242031369 4.5389754481 20.9891445055
0.2161195054 4.6270696313 4.554129184 21.0722728444
0.2160094116 4.6294279155 4.5670916053 21.1430213704
0.2159189208 4.6313680918 4.5781648993 21.2031668334
0.2158445302 4.6329642878 4.5876125489 21.254245105
0.215783367 4.6342774889 4.5956636808 21.2975807427
0.2157330736 4.6353578683 4.6025170544 21.3343136418
0.2156917144 4.6362467036 4.6083446903 21.3654228795
0.2156576999 4.6369779545 4.6132951502 21.3917479088
0.2156297239 4.6375795594 4.6174964801 21.4140072919
0.2156067133 4.6380745038 4.6210588386 21.43281518
0.2155877861 4.6384816979 4.6240768309 21.4486957498
0.215572217 4.6388166992 4.626631573 21.4620958023
0.2155594099 4.6390923071 4.6287925098 21.4733957232
0.2155488745 4.6393190515 4.6306190089 21.4829189883
0.2155402078 4.6395055956 4.6321617559 21.4909403865
0.2155330781 4.6396590667 4.6334639693 21.4976931157
0.2155272128 4.6397853285 4.6345624573 21.503374893
0.2155223877 4.6398892048 4.6354885335 21.5081532056
0.2155184182 4.6399746646 4.6362688097 21.5121698152
0.2155151525 4.6400449729 4.6369258791 21.5155446153
0.2155124659 4.6401028161 4.6374789055 21.518378929
0.2155102557 4.640150404 4.6379441294 21.5207583258
0.2155084374 4.6401895549 4.6383353024 21.5227550225
0.2155069414 4.6402217646 4.6386640595 21.5244299279
0.2155057107 4.6402482638 4.6389402375 21.525834383
0.2155046982 4.6402700648 4.6391721469 21.5270116387
0.2155038652 4.6402880007 4.6393668039 21.5279981107
0.21550318 4.6403027566 4.6395301283 21.5288244437
0.2155026162 4.6403148964 4.6396671118 21.5295164133
0.2155021523 4.640324884 4.6397819608 21.5300956888
0.2155017707 4.6403331007 4.6398782182 21.5305804794
0.2155014568 4.6403398607 4.6399588664 21.5309860799
0.2155011985 4.6403454223 4.6400264145 21.5313253317
0.215500986 4.6403499977 4.6400829727 21.5316090119
0.2155008112 4.640353762 4.6401303146 21.5318461618
0.2155006674 4.6403568589 4.6401699305 21.5320443635
0.2155005491 4.6403594068 4.6402030717 21.5322099732
0.2155004517 4.6403615029 4.6402307889 21.5323483175
0.2155003716 4.6403632274 4.6402539637 21.5324638588
0.2155003057 4.6403646461 4.6402733354 21.5325603342
0.2155002515 4.6403658134 4.6402895242 21.5326408724
0.2155002069 4.6403667736 4.6403030498 21.5327080919
0.2155001703 4.6403675637 4.6403143476 21.5327641839
0.2155001401 4.6403682136 4.6403237825 21.5328109812
0.2155001152 4.6403687484 4.6403316598 21.5328500163
0.2155000948 4.6403691883 4.6403382354 21.5328825707
0.215500078 4.6403695502 4.6403437231 21.5329097153
0.2155000642 4.640369848 4.6403483021 21.5329323451
0.2155000528 4.6403700929 4.640352122 21.5329512078
0.2155000434 4.6403702945 4.6403553082 21.5329669278
0.2155000357 4.6403704603 4.6403579651 21.5329800266
0.2155000294 4.6403705967 4.6403601804 21.5329909394
0.2155000242 4.6403707089 4.6403620272 21.5330000297
0.2155000199 4.6403708013 4.6403635664 21.5330076007
0.2155000164 4.6403708772 4.6403648491 21.5330139054
0.2155000135 4.6403709397 4.6403659178 21.5330191547
0.2155000111 4.6403709911 4.6403668082 21.5330235248
0.2155000091 4.6403710334 4.6403675498 21.5330271625
0.2155000075 4.6403710682 4.6403681674 21.5330301899
0.2155000062 4.6403710968 4.6403686817 21.5330327093
0.2155000051 4.6403711204 4.6403691099 21.5330348056
0.2155000042 4.6403711398 4.6403694663 21.5330365495
0.2155000034 4.6403711557 4.640369763 21.5330380003
0.2155000028 4.6403711688 4.6403700099 21.5330392069
0.2155000023 4.6403711796 4.6403702154 21.5330402104
0.2155000019 4.6403711885 4.6403703864 21.5330410449
0.2155000016 4.6403711958 4.6403705286 21.5330417387
0.2155000013 4.6403712018 4.6403706469 21.5330423155
0.2155000011 4.6403712068 4.6403707453 21.533042795
0.2155000009 4.6403712108 4.6403708271 21.5330431935
0.2155000007 4.6403712142 4.6403708951 21.5330435248
A/P P/A A/G P/G
TASA (%)
21.55
Esta tabla permite calcular el equivalente anual de una serie de flujos
Repartidos en periodos menores de un ao, conocida la tasa efectiva

Tasa efectiva= 10%

Periodos
dentro del ao Factor efectivo
12 meses 12.5405366123
6 bimensual 6.245367587
4 trimestres 4.1470220359
2 semestres 2.0488088482
-160 -135000
20 9000
20 9000
20 220500
20 ($7,077.33) 22%
20
20
20
20
20
20
20
20
20
20
220 ($11.32)
13%