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Bpia 5237
Bpia 5237
Edicin 1
Nmero de parte de HP F1902-90005
: title_S-050105.doc : 1/2
Nota
Hewlett-Packard Company
4995 Murphy Canyon Rd,
Suite 301
San Diego,CA 92123
Historial de impresin
Edicin 1 Mayo 2003
: 10BII_S(MP01-2)-041029(Print) : 2/2
10B.book Page 3 Sunday, June 25, 2000 1:26 PM
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10BTOC.FM Page 5 Sunday, June 25, 2000 2:40 PM
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10BTOC.FM Page 6 Sunday, June 25, 2000 2:40 PM
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10BTOC.FM Page 7 Sunday, June 25, 2000 2:40 PM
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Contenido 7
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8 Contenido
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Contenido 9
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24 1: Introduccin
10B.book Page 25 Sunday, June 25, 2000 1:26 PM
El cursor
(OFXUVRUBHVYLVLEOHFXDQGRVHLQWURGXFHXQQ~PHUR
Borrar en la calculadora
&XDQGRHOFXUVRUHVWiDFWLYDGR RERUUDHO~OWLPRGtJLWR
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%
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Borrado de la memoria
Teclas: Descripcin:
*& %RUUDWRGDODPHPRULD1RUHVWDEOHFHORVPRGRV
*j %RUUDODPHPRULDGHHVWDGtVWLFDV
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1: Introduccin 25
10B.book Page 26 Sunday, June 25, 2000 1:26 PM
3DUDERUUDUWRGDODPHPRULD\UHVWDEOHFHUORVPRGRVGHODFDOFXODGRUD
1
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P /
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PHPRULD6HSUHVHQWDUiHOPHQVDMHAll Clear
Indicadores
/RVLQGLFDGRUHVVRQVtPERORVTXHVHPXHVWUDQHQODSDQWDOODSDUDLQGLFDU
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Indicador Estado
SHIFT *
6HKDSXOVDGRODWHFODGHFDPELR &XDQGRVH
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STATS )
/DWHFODGHHVWDGtVWLFDV HVWiDFWLYD&XDQGR
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BEGIN (OPRGR,QLFLRHVWiDFWLYRSiJLQD HVGHFLUORV
SDJRVVHUHDOL]DQHQHOLQLFLRGHXQSHULRGR
INPUT 0
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Q~PHUR
/DFDUJDGHODEDWHUtDHVEDMDSiJLQD
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SiJLQD
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SiJLQD
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PER 6HXWLOL]DXQJUXSRGHSHULRGRVSDUDXQD
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26 1: Introduccin
10B.book Page 27 Sunday, June 25, 2000 1:26 PM
Indicador Estado
N $SDUHFHHOQ~PHURGHIOXMRGHFDMDGXUDQWHXQ
PRPHQWR\GHVSXpVVHPXHVWUDHOQ~PHURGHYHFHV
TXHVHUHSLWHHOIOXMRGHFDMD
ERROR (OLQGLFDGRUGHHUURUHVWiHQFHQGLGRMXQWRFRQ
XQRGHORVFXDWURLQGLFDGRUHVVLJXLHQWHV
TVM +D\XQHUURUGH9'7DOUHVROYHU3$f2SRU
HMHPSOR
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HVWDGtVWLFRRVLQRVHPXHVWUDHOLQGLFDGRUERROR
VHKDUHDOL]DGRXQFiOFXORHVWDGtVWLFR
FUNC 6HKDSURGXFLGRXQHUURUGHFiOFXORSRUHMHPSOR
XQDGLYLVLyQSRUFHUR
STAT 6HKDUHDOL]DGRXQFiOFXORHVWDGtVWLFR
Tecla de cambio
/DPD\RUtDGHODVWHFODVGHOD+3%,,FXHQWDQFRQXQD
IXQFLyQVHFXQGDULDRGHFDPELRLPSUHVDHQQDUDQMDHQ
*
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1: Introduccin 27
10B.book Page 28 Sunday, June 25, 2000 1:26 PM
Tecla Estadsticas
)
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) ;
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Tecla INPUT
0
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28 1: Introduccin
10B.book Page 29 Sunday, June 25, 2000 1:26 PM
Funciones matemticas
Funciones de un nmero. /DVIXQFLRQHVPDWHPiWLFDV
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1: Introduccin 29
10B.book Page 30 Sunday, June 25, 2000 1:26 PM
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30 1: Introduccin
10B.book Page 31 Sunday, June 25, 2000 1:26 PM
Notacin cientfica
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*
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1: Introduccin 31
10B.book Page 32 Sunday, June 25, 2000 1:26 PM
3RUHMHPSORVHSXHGHPRVWUDUXQPLOOyQFRPR
R
Redondeo de nmeros
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9,87654321_ ,QWURGXFHXQQ~PHUR
FRQPiVGHGRV
SRVLFLRQHVGHFLPDOHV
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* 9,88 0XHVWUDGRVSRVLFLRQHV
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32 1: Introduccin
10B.book Page 33 Sunday, June 25, 2000 1:26 PM
Mensajes
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1: Introduccin 33
10B.book Page 34 Sunday, June 25, 2000 1:26 PM
10B.book Page 35 Sunday, June 25, 2000 1:26 PM
Porcentajes comerciales
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Tecla Porcentaje
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Clculo de porcentajes
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2: Porcentajes comerciales 35
10B.book Page 36 Sunday, June 25, 2000 1:26 PM
Ejemplo. 6XSRQJDPRVTXHSLGHSUHVWDGRVDXQSDULHQWH\
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87,50 &DOFXODHOLQWHUpVGHO
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0 291,70 ,QWURGXFHQ
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8,60 &DOFXODHOSRUFHQWDMH
GHFDPELR
36 2: Porcentajes comerciales
10B.book Page 37 Sunday, June 25, 2000 1:26 PM
38,33 &DOFXODHOSRUFHQWDMHGH
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Teclas: Pantalla: Descripcin:
7 255,00 $OPDFHQDHOFRVWHHQ
&67
c 300,00 $OPDFHQDHOSUHFLRGH
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2: Porcentajes comerciales 37
10B.book Page 38 Sunday, June 25, 2000 1:26 PM
38 2: Porcentajes comerciales
Chapt_3.fm Page 39 Sunday, June 25, 2000 4:03 PM
Almacenamiento de nmeros y
operaciones aritmticas
Uso de constantes
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17,00 $OPDFHQDHQHO
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5.000,00
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el tiempo (dividido en periodos).
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
-5.000,00
-6.000,00
-7.000,00
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Inters simple
(QORVFRQWUDWRVGHLQWHUpVVLPSOHHOLQWHUpVUHSUHVHQWDXQSRUFHQWDMHGHO
FDSLWDORULJLQDO(OLQWHUpV\HOFDSLWDOYHQFHQDOILQDOGHOFRQWUDWR3RU
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(QFRQWUDUiXQHMHPSORGHFiOFXORGHLQWHUpVVLPSOHHQODSiJLQD
Inters compuesto
8QFRQWUDWRGHLQWHUpVFRPSXHVWRHVFRPRXQDVHULHHQFDGHQDGDGH
FRQWUDWRVGHLQWHUpVVLPSOH(OSOD]RGHFDGDFRQWUDWRGHLQWHUpVVLPSOH
HTXLYDOHDXQSHULRGRGHFDSLWDOL]DFLyQ$OILQDOGHFDGDSHULRGRHOLQWHUpV
GHYHQJDGRSRUFDGDFRQWUDWRGHLQWHUpVVLPSOHVHDJUHJDDOFDSLWDO3RU
HMHPSORVLGHSRVLWDHQXQDFXHQWDGHDKRUURTXHSDJDHOGH
LQWHUpVDQXDOFDSLWDOL]DGRPHQVXDOPHQWHHOLQWHUpVJDQDGRGXUDQWHHO
SULPHUPHVHTXLYDOGUiDXQFRQWUDWRGHLQWHUpVVLPSOHGHXQPHVDXQ
LQWHUpVGH$OILQDOGHOSULPHUPHVODFXHQWDWHQGUiXQ
VDOGRGHHVHOGH
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VDOGRGH/DFDQWLGDGGHLQWHUpVGHYHQJDGRDOILQDOGHOVHJXQGR
PHVVHUiGHRVHD(VWHSURFHVRGHFDSLWDOL]DFLyQ
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VLJXLHQWHORVUHVXOWDGRVLQWHUPHGLRVVHUHGRQGHDQDGRVSRVLFLRQHV
GHFLPDOHV
1.005,00
1.010,03
1.015,08
1.020,16
1.025,26
4
-1.000,00
5
-1.005,00
-1.010,03
-1.015,08
-1.020,16
/DSDODEUDFRPSXHVWRGHOWpUPLQRLQWHUpVFRPSXHVWRSURYLHQHGHO
FRQFHSWRGHTXHHOLQWHUpVJDQDGRRDFXPXODGRHQXQSHULRGRDQWHULRUVH
DJUHJDDOFDSLWDO'HHVWDPDQHUDHOLQWHUpVJDQDDVXYH]XQLQWHUpV
DGLFLRQDO/DVIXQFLRQHVILQDQFLHUDVGHODFDOFXODGRUD+3%,,VHEDVDQ
HQHOFRQFHSWRGHLQWHUpVFRPSXHVWR
Tasas de inters
$OUHVROYHUXQSUREOHPDILQDQFLHURGHEHWHQHUHQFXHQWDTXHSXHGH
GHVFULELUODWDVDGHLQWHUpVRODWDVDGHUHQGLPLHQWRGHWUHVIRUPDV
GLIHUHQWHV
n 7DVDSHULyGLFD(VODWDVDTXHVHDSOLFDDOFDSLWDOGHXQSHULRGRDRWUR
n 7DVDQRPLQDODQXDO(VODWDVDSHULyGLFDPXOWLSOLFDGDSRUHOQ~PHUR
GHSHULRGRVSRUDxR
n 7DVDHIHFWLYDDQXDO(VODWDVDDQXDOTXHWLHQHHQFXHQWDOD
FDSLWDOL]DFLyQ
(QHOHMHPSORDQWHULRUGHXQDFXHQWDGHDKRUURGHVHXWLOL]D
XQDWDVDSHULyGLFDGHPHQVXDOTXHWDPELpQVHSXHGHH[SUHVDU
FRPRWDVDQRPLQDODQXDOGHO(VWDPLVPDWDVDSHULyGLFD
SXHGHH[SUHVDUVHFRPRXQDWDVDHIHFWLYDDQXDOTXHFRQVLGHUDOD
FDSLWDOL]DFLyQGHLQWHUpV(OVDOGRGHVSXpVGHPHVHVGHFDSLWDOL]DFLyQ
HVGHORFXDOVLJQLILFDTXHODWDVDHIHFWLYDDQXDOGHLQWHUpVHVGHO
(QFRQWUDUiHMHPSORVGHFRQYHUVLRQHVHQWUHWDVDVQRPLQDOHV\WDVDV
HIHFWLYDVDQXDOHVHQODVSiJLQDVD
QRPLQDODQXDO
2
9DORUDFWXDOHOIOXMRGHFDMDLQLFLDOGHODOtQHDWHPSRUDO
/
3DJRSHULyGLFR
9DORUIXWXURHOIOXMRGHFDMDILQDOGHOGLDJUDPDGHIOXMRVGH
FDMDDGHPiVGHFXDOTXLHUSDJRSHULyGLFRUHJXODU
3XHGHFDOFXODUFXDOTXLHUDGHHVWRVYDORUHVFXDQGRKD\DLQWURGXFLGRORV
RWURVFXDWUR/RVGLDJUDPDVGHIOXMRVGHFDMDSDUDSUpVWDPRVKLSRWHFDV
DUUHQGDPLHQWRVFXHQWDVGHDKRUURRFXDOTXLHURWURFRQWUDWRFRQIOXMRV
GHFDMDVUHJXODUHV\GHXQPLVPRLPSRUWHVHVXHOHQUHVROYHUFRPR
SUREOHPDVGH9'73RUHMHPSORDFRQWLQXDFLyQVHPXHVWUDXQGLDJUDPD
GHIOXMRVGHFDMDTXHUHSUHVHQWDXQFRQWUDWRGHKLSRWHFDGHVGHHOSXQWR
GHYLVWDGHOSUHVWDWDULR
(OSUpVWDPRHVGHDDxRVFRQSDJRVGH\XQ
LQWHUpVDQXDOGHO([LVWHDGHPiVXQSDJRILQDOGHOLTXLGDFLyQGH
PV = 150.000,00
I/YR = 7,5%
N = 360 (30 12)
1 2 3 4 5 ... 357 358 359 360
PMT = -1.041,40
FV = -10.000,00
FV = 25.327,38
I/YR = 8,00%
PMT = 0,00
1 2 3 4 5 ... 56 57 58 59 60
N = 60
PV = -17.000,00
(QHOSUy[LPRFDStWXORVHGHVFULEHQORVFiOFXORVGHYDORUGHOGLQHURHQ
IXQFLyQGHOWLHPSR
$FRQWLQXDFLyQVHPXHVWUDHOGLDJUDPDGHIOXMRVGHFDMDFRUUHVSRQGLHQWH
PHGLDQWHHOXVRGH
UHQGLPLHQWRDQXDO
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16.567,20
5.000,00
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
-5.000,00
-6.000,00
-7.000,00
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n (OLPSRUWHGHFDGDSDJRGHEHVHUHOPLVPR6LHOLPSRUWHGHORV
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n /RVSDJRVGHEHQUHDOL]DUVHDLQWHUYDORVUHJXODUHV
n (OSHULRGRGHSDJRGHEHFRLQFLGLUFRQHOSHULRGRGHFDSLWDOL]DFLyQ
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Tecla Almacena o calcula
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DUUHQGDPLHQWRV\ODVFXHQWDVGHDKRUURVXHOHQXWLOL]DUHOPRGR3ULQFLSLR
Clculos de prstamos
Ejemplo: Un prstamo para comprar un automvil. 'HVHDILQDQFLDU
XQDXWRPyYLOQXHYRPHGLDQWHXQSUpVWDPRFRQXQSOD]RGHWUHVDxRVFRQ
XQLQWHUpVQRPLQDODQXDOGHO\FDSLWDOL]DFLyQPHQVXDO(OSUHFLR
GHODXWRPyYLOHVGH/DHQWUDGDTXHDSRUWDUiVHUiGH
Parte 1. &XiOVHUiHOLPSRUWHGHORVSDJRVPHQVXDOHVVLHOLQWHUpVHVGHO
"(OSULPHUSDJRVHUHDOL]DUiXQPHVGHVSXpVGHODDGTXLVLFLyQGHO
DXWRPyYLORDOILQDOGHOSULPHUSHULRGR
VA = 14.500 - 1.500
I/AO= 10,5%
N = 3 12
P/AO = 12
1 2
... 35 36
PMT = ?
Modo Fin
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
12,00
Descripcin:
(VWDEOHFHHOQ~PHURGH
"P 36,00
SHULRGRVSRUDxR
$OPDFHQDHOQ~PHUR
GHSHULRGRVGHO
. 10,50
SUpVWDPR
$OPDFHQDODWDVD
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13.000,00
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/ 0,00
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$OPDFHQDODFDQWLGDG
TXHKDEUiTXHSDJDUDO
2 422,53
ILQDOGHORVWUHVDxRV
&DOFXODHOSDJR
PHQVXDO(OVLJQR
QHJDWLYRLQGLFDTXHVH
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2
SDUDUHGXFLUHOSDJRPHQVXDOHQHVGHFLUD"
. 372,53
2,03
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&DOFXODODWDVDGHLQWHUpVDQXDO
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UHGXFLGR
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.
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10,50 $OPDFHQDODWDVDGHLQWHUpV
(2 375,00
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$OPDFHQDHOSDJRPHQVXDO
11.537,59
GHVHDGR
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13.037,59
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6XPDHOSDJRLQLFLDODOD
FDQWLGDGILQDQFLDGDSDUD
FDOFXODUHOSUHFLRWRWDOGHO
DXWRPyYLO
VA = ?
I/AO = 7,5%
N = 30 12
P/AO = 12
1 2 3 4
... 356 357 358 359 360
PAGO = -930,00
Modo Fin
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
12,00
Descripcin:
(VWDEOHFHHOQ~PHURGH
*U 360,00
SHULRGRVSRUDxR
$OPDFHQDHOSOD]RGHOD
/ 0,00
KLSRWHFD[
/DKLSRWHFDVH
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. 7,50
HQDxRV
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(2 930,00
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GLQHURSDJDGRHVXQ
133.006,39
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SDUDXQSDJRPHQVXDO
145.006,39
GH
$xDGHHOSDJRLQLFLDOGH
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DxRV
&DOFXOHHOVDOGRUHVWDQWHGHVSXpVGHFXDWURDxRV
Paso 1. (QSULPHUOXJDUFDOFXOHHOSDJRPHQVXDOGHOSUpVWDPRSDUDXQ
SOD]RGHDxRV
AV = 172.500
I/AO = 8,8%
N = 25 12
P/AO = 12
1 2
... 299 300
PAGO = ?
Modo Fin
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
12,00
Descripcin:
(VWDEOHFHHOQ~PHURGH
*U 300,00
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/ 0,00
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172.500,00
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2 1.424,06
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PHQVXDO
Paso 2. 'DGRTXHORVSDJRVVHUHDOL]DQDOILQDOGHFDGDPHVHO~OWLPR
SDJRSHULyGLFR\HOSDJRGHOLTXLGDFLyQVHUHDOL]DUiQVLPXOWiQHDPHQWH(O
SDJRILQDOUHSUHVHQWDODVXPDGH3$*2307\9))9
VA = 172.500,00
I/AO = 8,8%
N = 4 12
P/AO = 12
1 2 3 4
... 44 45 46 47 48
PAGO = -1.424,06
Modo Fin VF = ?
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SXOVH *
VHOHFFLRQDGRXQIRUPDWRGHGRVSRVLFLRQHVGHFLPDOHV
*L2
Teclas: Pantalla:
1.424,06
Descripcin:
5HGRQGHDHOSDJRDGRV
SRVLFLRQHVGHFLPDOHV\D
P 48,00
FRQWLQXDFLyQDOPDFHQDHOYDORU
$OPDFHQDHOSOD]RGHFXDWUR
DxRV[GXUDQWHHOTXH
/ 163.388,39
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2 164.812,45
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Q~PHUR3$*2307\9)
)9TXHOLTXLGDUiHOSUpVWDPR
HOGLQHURSDJDGRHVXQYDORU
QHJDWLYR
Clculos de ahorro
Ejemplo: Una cuenta de ahorro. 6LGHSRVLWDHQXQDFXHQWD
GHDKRUURTXHGHYHQJDXQLQWHUpVDQXDOGHOFRQFDSLWDOL]DFLyQDQXDO
\QRHIHFW~DQLQJ~QRWURGHSyVLWRHQODFXHQWDFXiQWRWLHPSRWDUGDUiHQ
DFXPXODUODVXPDGH"
FV = 3.000,00
I/YR = 7,2%
N=?
P/YR = 1
1 2 3
...
N=?
PMT = 0
PV = -2.000,00
(QHVWDFXHQWDQRVHUHDOL]DQSDJRVSHULyGLFRV307 SRUORTXHHO
PRGRGHSDJR)LQR3ULQFLSLRHVLUUHOHYDQWH
*&
Teclas:
*b
Pantalla:
0,00
Descripcin:
%RUUDWRGRVORVUHJLVWURV
1 1,00 (VWDEOHFHHOYDORUGH3$f2
3<5D\DTXHHOLQWHUpVVH
( 2.000,00
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/ 3.000,00
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. 7,20
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P 5,83
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'DGRTXHHOYDORUFDOFXODGRGH1HVWiHQWUH\VHUiQQHFHVDULRVVHLV
DxRVSDUDDFXPXODUXQVDOGRGHDOPHQRV&DOFXOHHOVDOGRUHDO
P
DFXPXODGRGHVSXpVGHORVVHLVDxRV
6,00 P
(VWDEOHFHHOYDORUGH
/ 3.035,28
DDxRV
&DOFXODHOLPSRUWHTXH
SRGUiUHWLUDUGHVSXpV
GHDxRV
VF= ?
I/AO = 6,3%
N = 360 (15 aos 24 quincenas)
P/AO = 24
(Periodos quincenales)
1 2 3 4
... 360
PAGO = -80,00
VA = -2.000,00
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
24,00
Descripcin:
(VSHFLILFDHOQ~PHUR
( 2.000,00
GHSHULRGRVSRUDxR
$OPDFHQDHOGHSyVLWR
(2 80,00
LQLFLDO
$OPDFHQDORV
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. 6,30
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*U 360,00
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/ 52.975,60
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&DOFXODHOVDOGR
Ejemplo: Renta. +DGHFLGLGRMXELODUVHDQWLFLSDGDPHQWH'LVSRQHGH
XQRVDKRUURVDFXPXODGRVGHTXHGHYHQJDQXQLQWHUpVDQXDO
PHGLRGHOFRQFDSLWDOL]DFLyQPHQVXDO4XpUHQWDUHSHWLWLYD
XQLIRUPHUHWLUDGDGHIRQGRVSRGUiUHFLELUDOSULQFLSLRGHFDGDPHVVL
GHVHDTXHHVWDFXHQWDGHDKRUUROHPDQWHQJDGXUDQWHORVSUy[LPRV
DxRV"
PAGO = ?
1 2
... 599 600
VF = 0
I/AO = 7%
N = 600 (50 12)
P/AO = 12
AV = -400.000,00
Modo Principio
*O
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SXOVH
*b
Teclas: Pantalla:
12,00
Descripcin:
(VWDEOH]FDHOQ~PHURGH
( 400.000,00
SDJRVSRUDxR
$OPDFHQDHOLPSRUWHGHVX
DKRUURFRPRGHSyVLWR
. 7,00
VDOLHQWH
$OPDFHQDODWDVDGHLQWHUpV
*U 600,00
DQXDOTXHHVSHUDREWHQHU
$OPDFHQDHOQ~PHURGH
/ 0,00
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$OPDFHQDHOVDOGRTXH
KDEUiHQODFXHQWDDOILQDO
2 2.392,80
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SRGUiUHWLUDUDOSULQFLSLR
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DSOLFDFLyQ9'7+D\GRVFODVHVFRPXQHVGHFiOFXORVGHDUUHQGDPLHQWRV
ILQDQFLHURV
n &iOFXORGHOSDJRGHODFXRWDQHFHVDULDSDUDREWHQHUXQUHQGLPLHQWR
HVSHFtILFR
n &iOFXORGHOYDORUDFWXDOYDORUFDSLWDOL]DGRGHODUUHQGDPLHQWR
(OSULPHUSDJRGHXQFRQWUDWRGHDUUHQGDPLHQWRVHVXHOHUHDOL]DUDO
SULQFLSLRGHOSULPHUSHULRGR3RUHOORODPD\RUtDGHORVFiOFXORVGHHVWD
FODVHXWLOL]DQHOPRGR3ULQFLSLR
Ejemplo: Clculo de un pago de arrendamiento 8QFOLHQWHGHVHD
DUUHQGDUSRUWUHVDxRVXQDXWRPyYLOTXHYDOH(ODUUHQGDPLHQWR
LQFOX\HODRSFLyQGHFRPSUDUHODXWRPyYLOSRUDOILQDOGHOSOD]RGH
FRQWUDWDGR(OSULPHUSDJRPHQVXDOYHQFHHOGtDHQTXHHOFOLHQWHUHFLEH
HODXWRPyYLO6LHOYHQGHGRUGHVHDREWHQHUXQUHQGLPLHQWRDQXDOGHO
FRQFDSLWDOL]DFLyQPHQVXDOFXiOGHEHVHUHOLPSRUWHGHOSDJRPHQVXDO"
&DOFXOHORVSDJRVGHVGHHOSXQWRGHYLVWDGHOYHQGHGRU
VF = 7.500,00
La cantidad recibida
PAGO = ? por el arrendatario
es positiva
1 2
... 35 36
I/AO = 10%
N = 36 La cantidad aportada
P/AO = 12 por el arrendatario
es negativa
AV = -13.500,00
Modo Principio
SXOVH *O
$FWLYHHOPRGR3ULQFLSLR6LQRVHPXHVWUDHQSDQWDOODQLQJ~QLQGLFDGRU
7HQJDHQFXHQWDTXHDXQTXHHOFOLHQWHGHFLGDQRFRPSUDUHODXWRPyYLOHO
*b
Teclas: Pantalla:
12,00
Descripcin:
(VWDEOHFHHOQ~PHURGH
. 10,00
SDJRVSRUDxR
$OPDFHQDHO
UHQGLPLHQWRDQXDO
( 13,500,00
GHVHDGR
$OPDFHQDHOSUHFLRGH
/ 7.500,00
DUUHQGDPLHQWR
$OPDFHQDHOYDORU
UHVLGXDOYDORUGH
P 36,00
FRPSUD
$OPDFHQDHOSOD]RGHO
DUUHQGDPLHQWRHQ
2 253,99
PHVHV
&DOFXODHOSDJR
PHQVXDOGHO
DUUHQGDPLHQWR
DUUHQGDGRUFRQWDUiFRQXQIOXMRGHFDMDDOILQDOGHOFRQWUDWRGH
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GHVLHOFOLHQWHDGTXLHUHHODXWRPyYLORVHYHQGHSRUDOJ~QRWURPHGLRHO
DUUHQGDGRUHVSHUDUHFXSHUDU
Ejemplo: Arrendamiento con pagos por adelantado. 6XHPSUHVD
GHVHDDUUHQGDUXQHOHYDGRUGHFDUJDSDUDHODOPDFpQ6HSUHSDUDXQ
FRQWUDWRGHDUUHQGDPLHQWRFRQXQSOD]RGHFXDWURDxRV\SDJRV
PHQVXDOHVGH/RVSDJRVSHULyGLFRVYHQFHQDOSULQFLSLRGHFDGD
PHVHOSULPHU\HO~OWLPRSDJRYHQFHQDOSULQFLSLRGHODUUHQGDPLHQWR
7LHQHODRSFLyQGHFRPSUDUHOHTXLSRSRUDOILQDOGHOSHULRGR
DFRUGDGR
6LODWDVDGHLQWHUpVDQXDOHVGHOFXiOVHUiHOYDORUFDSLWDOL]DGRGHO
DUUHQGDPLHQWR"
Modo Principio
VA = ?
I/AO = 9%
N = 48
P/AO = 12
1 2 3 4
... 44 45 46 47 48
PAGO = -2.400,00
(El pago n 48 vence al principio del contrato)
VF = -15.000,00
(VWHSUREOHPDVHUHVXHOYHHQFXDWURHWDSDV
&DOFXOHHOYDORUDFWXDOGHORVSDJRVPHQVXDOHV
$xDGDHOYDORUGHOSDJRTXHVHUHDOL]DSRUDGHODQWDGR
&DOFXOHHOYDORUDFWXDOGHODRSFLyQGHFRPSUD
6XPHORVYDORUHVFDOFXODGRVHQORVSDVRV\
Paso 1&DOFXOHHOYDORUDFWXDOGHORVSDJRVPHQVXDOHV
*O
$FWLYHHOPRGR3ULQFLSLR6LQRVHPXHVWUDHQSDQWDOODQLQJ~QLQGLFDGRU
SXOVH
*b
Teclas: Pantalla:
12,00
Descripcin:
(VWDEOHFHHOQ~PHURGHSDJRV
P 47,00
SRUDxR
$OPDFHQDHOQ~PHURWRWDOGH
(2
/ 2.400,00
SDJRV
$OPDFHQDHOSDJRPHQVXDO
0,00 $OPDFHQDHOYDORUIXWXURSDUDHO
.
9,00
SDVR
$OPDFHQDODWDVDGHLQWHUpV
95.477,55 &DOFXODHOYDORUDFWXDOGHORV
SDJRVPHQVXDOHV
Paso 2. $xDGDHOSDJRSRUDGHODQWDGRDGLFLRQDODOYDORUDFWXDO
2(
$OPDFHQHHOWRWDO
97.877,55 $xDGHHOSDJRDGHODQWDGR
97.877,55
DGLFLRQDO
$OPDFHQDHOUHVXOWDGRHQHO
UHJLVWUR0
P
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48,00 $OPDFHQDHOPHVGHODRSFLyQ
2 0,00
GHFRPSUD
$OPDFHQDXQSDJRSHULyGLFR
LJXDODFHURSDUDHVWDHWDSDGH
(/ 15.000,00
ODVROXFLyQ
$OPDFHQDHOYDORUTXHVH
10.479,21
GHEHGHVFRQWDU
&DOFXODHOYDORUDFWXDOGHO
~OWLPRIOXMRGHFDMD
Paso 4. 6XPHORVUHVXOWDGRVGHORVSDVRV\
a
Teclas: Pantalla:
108.356,77
Descripcin:
&DOFXODHOYDORUDFWXDO
FDSLWDOL]DGRGHO
DUUHQGDPLHQWR(QOD
SiJLQD VHH[SOLFDQODV
GLIHUHQFLDVGHUHGRQGHR
Amortizacin
/DDPRUWL]DFLyQHVHOSURFHVRGHVHSDFLyQGHXQSDJRHQ
ORVLPSRUWHVFRUUHVSRQGLHQWHVDOLQWHUpV\DOFDSLWDO$O
SULQFLSLRGHOSUpVWDPRODPD\RUSDUWHGHFDGDSDJRVXHOH
FRUUHVSRQGHUDORVLQWHUHVHVPLHQWUDVTXHHQORV~OWLPRV
PHVHVODPD\RUSDUWHFRUUHVSRQGHDOFDSLWDO
PAGO ($)
CAPITAL ($)
INTERS ($)
TIEMPO
/DWHFOD
VLJXLHQWH
*GHODFDOFXODGRUD+3%,,OHSHUPLWHFDOFXODUOR
n /DFDQWLGDGFRUUHVSRQGLHQWHDOLQWHUpVGHXQJUXSRGHSDJRV
n /DFDQWLGDGFRUUHVSRQGLHQWHDOFDSLWDOGHXQJUXSRGHSDJRV
n (OVDOGRGHOSUHVWDPRGHVSXpVGHUHDOL]DUXQQ~PHURHVSHFLILFDGRGH
SDJRV
/DIXQFLyQ *SUHVXSRQHTXHDFDEDGHFDOFXODUXQSDJRSHULyGLFRR
TXHKDDOPDFHQDGRORVYDORUHVDSURSLDGRVSDUDODDPRUWL]DFLyQHQODV
YDULDEOHV,$f2,<59$399))93$*2307\3$f2
.
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1~PHURGHSDJRVDQXDOHV
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Para calcular la amortizacin. 3DUDDPRUWL]DUXQSDJR~QLFR
/DFDOFXODGRUD+3
%,,PRVWUDUiHOLQGLFDGRUPERVHJXLGRGHORVSDJRVLQLFLDO\ILQDOGHOD
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Ejemplo: Amortizacin de un grupo de pagos. &DOFXOHORVGRV
SULPHURVDxRVGHXQDWDEODGHDPRUWL]DFLyQDQXDOGHXQSUpVWDPRGH
FRQXQSOD]RGHDXQLQWHUpVDQXDOGHO\SDJRV
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*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
12,00
Descripcin:
(VWDEOHFHHOQ~PHURGHSDJRV
*U 360,00
SRUDxR
$OPDFHQDHOQ~PHURWRWDOGH
.
7,75
SDJRV
$OPDFHQDHOLQWHUpVDQXDO
/
2
180.000,00
0,00
$OPDFHQDHOYDORUDFWXDO
$OPDFHQDHOYDORUIXWXUR
1.289,54 &DOFXODHOSDJRPHQVXDO
6L\DFRQRFHHOLPSRUWHGHOSDJRPHQVXDOSXHGHLQWURGXFLUOR\
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0
DxR
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* 1 12
ILQDO
0XHVWUDHOLQGLFDGRU3(5\HO
1.579,82
JUXSRGHSDJRV
0XHVWUDHOLQGLFDGRU35,1\HO
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13.894,66
DxR
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LQWHUpVSDJDGRGXUDQWHHOSULPHU
178.420,18
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*
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Teclas: Pantalla:
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Descripcin:
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*U 60,00
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.
11,50
SDJRV
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/
2
14.250,00
0,00
310,42
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Primer banco
*
Teclas: Pantalla:
6,70
Descripcin:
$OPDFHQDODWDVD
*b 4,00
QRPLQDO
$OPDFHQDHOSHULRGRGH
FDSLWDOL]DFLyQ
*Z 6,87
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*
Segundo banco
6,65 $OPDFHQDODWDVD
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*Z 6,86
PHQVXDO
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*
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6,63 $OPDFHQDODWDVD
*b 360,00
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*Z 6,85
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&DOFXODODWDVDHIHFWLYD
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Ejemplo: Pagos mensuales, capitalizacin diaria. 9DDGHSRVLWDUD
SDUWLUGHKR\PHQVXDOPHQWHHQXQDFXHQWDTXHGHYHQJDXQLQWHUpV
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*
Teclas: Pantalla:
5,00
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*b 365,00
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1 2 3 4 5 6 7 8 9 10
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$OPDFHQHODWDVDGHLQWHUpVQRPLQDODQXDOHQ,$f2,<5\SXOVH
Ejemplo: Un contrato descontado con flujos de caja desiguales.
6HOHSUHVHQWDODRSRUWXQLGDGGHFRPSUDUXQFRQWUDWRTXHFRQVWDGHORV
VLJXLHQWHVIOXMRVGHFDMD
&XiQWRGHEHSDJDUSRUHOFRQWUDWRSDUDREWHQHUXQUHQGLPLHQWRDQXDO
GHOVREUHVXLQYHUVLyQ"
4 9 10 15 25
*&
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*b
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12,00 (VSHFLILFDHOQ~PHUR
,
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,
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5.000,00 ,QWURGXFHHOVHJXQGR
,
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,
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,
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,
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GHVFULEHQHOSODQGHLQYHUVLyQ3XHGHSXOVDU
\
,
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,
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Q~PHURGHUHSHWLFLRQHVGHFDGDXQRGHHOORV
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.
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15,00 $OPDFHQDODWDVDGH
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27.199,92 &DOFXODHOYDORU
SUHVHQWHQHWRGHORV
IOXMRVGHFDMD
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(VWHUHVXOWDGRPXHVWUDTXHSDUDREWHQHUXQUHQGLPLHQWRDQXDOGHO
GHEHSDJDUSRUHOFRQWUDWR2EVHUYHTXHHVWDFDQWLGDGHV
SRVLWLYD(OYDORUSUHVHQWHQHWRFRQVLVWHVLPSOHPHQWHHQODVXPDGHORV
YDORUHVDFWXDOHVRQHWRVGHXQDVHULHGHIOXMRVGHFDMDFXDQGRVH
GHVFXHQWDQDOSULQFLSLRGHODOtQHDWHPSRUDO
NPV = 27.199,92
7.330,34
6.224,95 1% = 15% al ao
4.415,91 10.000,00
4.471,10 7.500,00
5.000,00
4.757,62
1 3 5 7 9 11 13 15 17 19 21 23 25
(QHOVLJXLHQWHHMHPSORVHXWLOL]DQORVIOXMRVGHFDMDGHOHMHPSORDQWHULRU
7.500
5.000
5.000
1 3 5 7 9 11 13 15 17 19 21 23 25
IRR/YR = ?
-28.000
(*!
Teclas: Pantalla: Descripcin:
, 28.000,00 0RGLILFDHOIOXMRGH
*9
FDMDLQLFLDO
12,49 &DOFXODHOUHQGLPLHQWR
QRPLQDODQXDO
(QHOFDStWXOR(MHPSORVDGLFLRQDOHVHQFRQWUDUiPiVHMHPSORVGHO
XVRGH931139\7,5$f2,55<5
3DUDUHFXSHUDUHOUHVXOWDGRSXOVH
DOPDFHQDUiHQODYDULDEOH9339SDUDIDFLOLWDUORVFiOFXORVVLJXLHQWHV
6LQRKDPRGLILFDGRORVYDORUHV
SXOVH
GH9'7GHO~OWLPRHMHPSORPHGLDQWH931139SiJLQD FXDQGR
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.
$OFDOFXODU7,5$f2,55<5VHDOPDFHQDUiHOUHVXOWDGRHQ,$f2
SDUDPRVWUDUHOUHQGLPLHQWR
Clculos estadsticos
/DVWHFODV \ A *@ VHXWLOL]DQSDUDLQWURGXFLU\ERUUDU
GDWRVSDUDUHDOL]DUFiOFXORVHVWDGtVWLFRVGHXQDRGRV
YDULDEOHV/RVGDWRVGHVXPDVHDOPDFHQDQHQODPHPRULD
/DVHWLTXHWDVVLWXDGDVVREUHODVWHFODV D LQGLFDQORV
GDWRVORVGDWRVGHVXPDDOPDFHQDGRV8QDYH]
LQWURGXFLGRVORVGDWRVSXHGHXWLOL]DUODVIXQFLRQHV
HVWDGtVWLFDVSDUDUHDOL]DUORVVLJXLHQWHVFiOFXORV
n 0HGLD\GHVYLDFLyQHVWiQGDU
n (VWDGtVWLFDVGHUHJUHVLyQOLQHDO
n (VWLPDFLyQOLQHDO\SURQyVWLFR
n 0HGLDSRQGHUDGD
n (VWDGtVWLFDVGHVXPDQ[[\\\[\
7: Clculos estadsticos 93
10B.book Page 94 Sunday, June 25, 2000 1:26 PM
$OFDOFXODUXQDPHGLDSRQGHUDGDLQWURGX]FDFDGDGDWRFRPRYDORU[\HO
SHVRFRUUHVSRQGLHQWHFRPRYDORU\
Si la acumulacin de datos estadsticos hace que el valor de un registro supere 9,99999999999 10499, la
calculadora HP 10BII mostrar una advertencia de desbordamiento temporal (OFLO).
94 7: Clculos estadsticos
10B.book Page 95 Sunday, June 25, 2000 1:26 PM
7: Clculos estadsticos 95
10B.book Page 96 Sunday, June 25, 2000 1:26 PM
Teclas: Descripcin:
Pulse *i
para
mostrar la
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SURPHGLRGHORV YDORUHV\VLVHKDQ
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\
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YDORUHV\
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YDORU[GHWHUPLQDGR FDOFXODGD
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EGHODOtQHDFDOFXODGD FDOFXODGD
/DGHVYLDFLyQHVWiQGDUGHXQDPXHVWUDSUHVXSRQHTXHORVGDWRVUHSUHVHQWDQXQDPXHVWUDGHXQFRQMXQWR
PD\RUGHGDWRV/DGHVYLDFLyQHVWiQGDUGHODSREODFLyQSUHVXSRQHTXHORVGDWRVIRUPDQODSREODFLyQ
FRPSOHWD
(OFRHILFLHQWHGHFRUUHODFLyQHVXQQ~PHURSHUWHQHFLHQWHDOLQWHU YDORTXHH[SUHVDODSUR[LPLGDGGHORV
GDWRVFRQODOtQHDFDOFXODGD(OYDORUOLQGLFDXQDFRUUHODFLyQSRVLWLYDSHUIHFWDPLHQWUDVTXHLQGLFDXQD
FRUUHODFLyQQHJDWLYDSHUIHFWD8QYDORUSUy[LPRDFHURLQGLFDTXHHODMXVWHFRQODOtQHDHVLQVXILFLHQWH
96 7: Clculos estadsticos
10B.book Page 97 Sunday, June 25, 2000 1:26 PM
Teclas: Descripcin:
)+ 1~PHURGHGDWRVLQWURGXFLGRV
); 6XPDGHORVYDORUHV[
)= 6XPDGHORVYDORUHV\
)\ 6XPDGHORVFXDGUDGRVGHORVYDORUHV[
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)f 6XPDGHORVSURGXFWRVGHORVYDORUHV[H\
7: Clculos estadsticos 97
10B.book Page 98 Sunday, June 25, 2000 1:26 PM
/DVGHVYLDFLRQHVHVWiQGDUFDOFXODGDVPHGLDQWH *: \
*: *i VRQODVGHVYLDFLRQHVHVWiQGDUGHODPXHVWUD
3UHVXSRQHQTXHORVGDWRVUHSUHVHQWDQXQDPXHVWUDGHXQ
FRQMXQWRFRPSOHWRGHGDWRV
6LORVGDWRVDEDUFDQODSREODFLyQFRPSOHWDVHSXHGHQ
FDOFXODUODVGHVYLDFLRQHVHVWiQGDUGHODSREODFLyQPHGLDQWH
*M\*M*i
Ejemplo 2.8QHTXLSRGHSRUWLYRWLHQHFXDWURQXHYRVMXJDGRUHVGH
\FHQWtPHWURVGHDOWXUD\\NLORJUDPRVGHSHVR
UHVSHFWLYDPHQWH%XVTXHODPHGLD\ODGHVYLDFLyQHVWiQGDUGHODSREODFLyQ
SDUDODDOWXUD\HOSHVR\DFRQWLQXDFLyQVXPHORVYDORUHV\
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*j 0,00 %RUUDORVUHJLVWURV
HVWDGtVWLFRV
0A 1,00 ,QWURGXFHODDOWXUD\HO
SHVRGHOMXJDGRU
0A 2,00 ,QWURGXFHODDOWXUD\HO
SHVRGHOMXJDGRU
0A 3,00 ,QWURGXFHODDOWXUD\HO
SHVRGHOMXJDGRU
0A 4,00 ,QWURGXFHODDOWXUD\HO
SHVRGHOMXJDGRU
*$ 184,25 &DOFXODODPHGLDGHODV
DOWXUDV[
98 7: Clculos estadsticos
10B.book Page 99 Sunday, June 25, 2000 1:26 PM
*i 82,75 0XHVWUDODPHGLDGHORV
SHVRV\
*M 5,80 &DOFXODODGHVYLDFLyQ
HVWiQGDUGHODSREODFLyQ
GHDOWXUDV[
*i 4,71 &DOFXODODGHVYLDFLyQ
HVWiQGDUGHODSREODFLyQ
GHSHVRV\
)= 331,00 0XHVWUDHOWRWDOGHORV
YDORUHVGH\
7: Clculos estadsticos 99
10B.book Page 100 Sunday, June 25, 2000 1:26 PM
3DUDLQWURGXFLUORVGDWRV[\VLJDODVLQVWUXFFLRQHVGHODSiJLQD
,QWURGX]FDXQYDORUFRQRFLGRGH[RGH\
n 3DUDFDOFXODUXQDHVWLPDFLyQGH[FRUUHVSRQGLHQWHDXQYDORU\
GHWHUPLQDGRLQWURGX]FDHOYDORU\\DFRQWLQXDFLyQSXOVH *3
n 3DUDFDOFXODUXQDHVWLPDFLyQGH\FRUUHVSRQGLHQWHDXQYDORU[
GHWHUPLQDGRLQWURGX]FDHOYDORU[\DFRQWLQXDFLyQSXOVH *4
Ejemplo: Pronstico. /DIORULVWHUtD(O1DUFLVRVHDQXQFLDDWUDYpVGH
ODHPLVRUDGHUDGLRORFDO'XUDQWHODV~OWLPDVVHLVVHPDQDVHOJHUHQWHKD
UHJLVWUDGRHOQ~PHURGHPLQXWRVGHSXEOLFLGDGFRPSUDGRV\ODVYHQWDV
VHPDQDOHV
&DOFXOHODLQWHUVHFFLyQFRQHOHMH\ODSHQGLHQWH\HOFRHILFLHQWHGH
FRUUHODFLyQ
3.000,00 (pronstico)
2.000,00 m = 425,88
Ve n t a s
1.000,00
1 2 3 4 5 6 7 8
Minutos de publicidad
+DJDXQDHVWLPDFLyQGHOQLYHOGHYHQWDVVLVHFRPSUDQXPLQXWRVGH
SXEOLFLGDG
*4 3.357,38 (VWLPDHOQLYHOGH
YHQWDVFRUUHVSRQGLHQWH
DPLQXWRVGH
SXEOLFLGDG
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FRUUHVSRQGLHQWHD
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&XiQWRVPLQXWRVGHSXEOLFLGDGGHEHFRPSUDUHOJHUHQWHGHODIORULVWHUtD
VLGHVHDUHDOL]DUYHQWDVSRUYDORUGH"
*3 6,16 (VWLPDHOQ~PHURGH
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QHFHVDULRVSDUDUHDOL]DU
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VHULHGHGDWRV[[[QFRQSHVRV\\\Q
0 A
8WLOLFH \ SDUDLQWURGXFLUSDUHV[\/RVYDORUHVGH\VRQORV
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XQDVRODKDELWDFLyQ\VHKDQFRQWDELOL]DGRGHGHDOTXLOHU
PHQVXDOGHGH\GH&DOFXOHODPHGLDGHO
DOTXLOHUPHQVXDO
Ejemplos adicionales
Aplicaciones comerciales
/DVLJXLHQWHHFXDFLyQFDOFXODHOSUHFLRXQLWDULRHQEDVHDOFRVWHWRWDO\OD
WDVDLQWHUQDGHUHWRUQR
35(&,2 FRVWH727$/1'(81,'$'(65'72
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GHVHDREWHQHUXQDWDVDLQWHUQDGHUHWRUQRGHOTXpSUHFLRGHEH
FREUDUSRUXQLGDG"&DOFXOHHOSUHFLRXQLWDULR
d
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"
40.000,00 ,QWURGXFHHOFRVWH
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*
*
d
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Ao Ventas ($)
1 10.000
2 11.210
3 13.060
4 16.075
5 20.590
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0A
4,00
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------------------------------------------------------------------------------------------------------------------------------------------------------
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/DVLJXLHQWHHFXDFLyQSHUPLWHFDOFXODUXQDWDVDHIHFWLYDGHLQWHUpVFRQ
FDSLWDOL]DFLyQFRQWLQXD
( 120 )
()) = ( H )
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TXHGHYHQJDHOGHLQWHUpVDQXDOFRQFDSLWDOL]DFLyQFRQWLQXD$OILQDO
GHFDGDPHVLQJUHVDHQODFXHQWD&XiOVHUiHOVDOGRGHODFXHQWD
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"
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BEGIN SXOVH
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.
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/
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)9HVGHFLUODFDQWLGDGGHOSDJRILQDO
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XQDSUHFLVLyQGHGRV
*U
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/
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.
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*O
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.
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/
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6LDSDUHFHHOLQGLFDGRUGHFDUJDEDMD\ODSDQWDOODVHDWHQ~DSRGUtDSHUGHU
GDWRV6LVHSURGXFHXQDSpUGLGDGHGDWRVGHELGDDODFDUJDEDMDYHUiHO
PHQVDMHAll Clear
Especificaciones de la batera
/DFDOFXODGRUD+3UHTXLHUHWUHVEDWHUtDVGHOLWLR&5
5HWLUHODVGRVEDWHUtDV
,QVHUWHODVQXHYDVEDWHUtDVDVHJXUiQGRVHGHTXHHOVLJQRGHFDGD
EDWHUtDHVWiRULHQWDGRKDFLDIXHUD
9XHOYDDFRORFDUODWDSDGHOFRPSDUWLPHQWRSDUDEDWHUtDV
3XOVH 1
6LODFDOFXODGRUDQRVHHQFLHQGHVLJDORVSURFHGLPLHQWRVGHODVLJXLHQWH
VHFFLyQ
1
Borrado de la memoria de la calculadora
0DQWHQJDSXOVDGDODWHFOD
P
0DQWHQJDSXOVDGDODWHFOD \DFRQWLQXDFLyQODWHFOD /
6XHOWHODVWUHVWHFODV
6HERUUDODPHPRULD\DSDUHFHHOPHQVDMHAll Clear
n La calculadora no responde a las pulsaciones de teclas (no
sucede nada al pulsar las teclas):
,QWHQWHUHLQLFLDUODFDOFXODGRUDFRQVXOWHPiVDGHODQWHODIRUPD
GHKDFHUOR\VLHVQHFHVDULR
ERUUHODPHPRULDFRQVXOWHODIRUPDGHKDFHUORPiVDGHODQWH
'HEHUtDDSDUHFHUHOPHQVDMH All Clear6LQRDSDUHFLHUDGHEHUi
OOHYDUODFDOFXODGRUDDOVHUYLFLRWpFQLFR
n La calculadora responde a las pulsaciones de teclas, pero
sospecha que no funciona correctamente:
(VSUREDEOHTXHKD\DFRPHWLGRDOJ~QHUURUDOXWLOL]DUOD
FDOFXODGRUD9XHOYDDFRQVXOWDUODVLQVWUXFFLRQHVGHOPDQXDO\
UHSDVHODVHHFLyQ5HVSXHVWDVDODVSUHJXQWDVPiVIUHFXHQWHV
HQODSiJLQD
3yQJDVHHQFRQWDFWRFRQHOGHSDUWDPHQWRGHVHUYLFLRWpFQLFR
GHFDOFXODGRUDV(QFRQWUDUiODGLUHFFLyQ\HOQ~PHURGHWHOHIyQR
HQODFRQWUDSRUWDGDGHOPDQXDO
Garanta limitada de un ao
Cobertura de la garanta
/DFDOFXODGRUDTXHGDJDUDQWL]DGDSRU+HZOHWW3DFNDUGDH[FHSFLyQGHODV
EDWHUtDV\GHORVGDxRVFDXVDGRVSRUpVWDVFRQWUDGHIHFWRVGHPDWHULDO\
IDEULFDFLyQGXUDQWHXQDxRDSDUWLUGHODIHFKDGHDGTXLVLFLyQ6LYHQGHRUHJDODOD
XQLGDGODJDUDQWtDVHWUDQVIHULUiDXWRPiWLFDPHQWHDOQXHYRSURSLHWDULR\
SHUPDQHFHUiYLJHQWHGXUDQWHHOSHULRGRRULJLQDOGHXQDxR'XUDQWHHVWH
SHULRGR+HZOHWW3DFNDUGUHSDUDUiRDVXHOHFFLyQUHHPSOD]DUiVLQFDUJR
DOJXQRFXDOTXLHUSURGXFWRGHIHFWXRVRVLHPSUHTXHVHDGHYXHOWRSUHYLR
SDJRGHOHQYtRDOFHQWURGHUHSDUDFLRQHVGH+HZOHWW3DFNDUG3XHGH
UHHPSOD]DUXQSURGXFWRGHIHFWXRVRSRUXQPRGHORSRVWHULRUGH
UHQGLPLHQWRHTXLYDOHQWHRVXSHULRU
(VWDJDUDQWtDOHRWRUJDXQRVGHUHFKRVOHJDOHVHVSHFtILFRV
LQGHSHQGLHQWHPHQWHGHTXHH[LVWDQRWURVGHUHFKRVTXHYDUtHQVHJ~QHO
SDtVHOHVWDGRRODSURYLQFLD
(VWDJDUDQWtDQRVHDSOLFDVLVHHOSURGXFWRKDVXIULGRGDxRVGHULYDGRVGH
SRUXQDFFLGHQWHRSRUHOXVRLQGHELGRRFRPRUHVXOWDGRGHXQD
UHSDUDFLyQRPRGLILFDFLyQUHDOL]DGDSRUSHUVRQDOQRDXWRUL]DGRSRUHO
VHUYLFLRWpFQLFRGH+HZOHWW3DFNDUG
1RVHRWRUJDQLQJXQDRWUDJDUDQWtDH[SOtFLWD/DUHSDUDFLyQROD
VXVWLWXFLyQGHOSURGXFWRHVHO~QLFRUHPHGLRTXHVHRIUHFHDOFOLHQWH
&XDOTXLHURWUDJDUDQWtDLPSOtFLWDGHFRPHUFLDELOLGDGRLGRQHLGDG
TXHGDOLPLWDGDDODGXUDFLyQGHXQDxRGHHVWDJDUDQWtDHVFULWD(Q
DOJXQRVHVWDGRVSURYLQFLDVRSDtVHVQRVHDGPLWHQOLPLWDFLRQHVHQFXDQWR
DODGXUDFLyQGHXQDJDUDQWtDLPSOtFLWDGHPRGRTXHHVSRVLEOHTXHOD
OLPLWDFLyQDQWHULRUQRVHDSOLTXHHQVXFDVR+HZOHWW3DFNDUGQR
DVXPHUHVSRQVDELOLGDGDOJXQDSRUGDxRVLQGLUHFWRV(QFLHUWRV
HVWDGRVSURYLQFLDV\SDtVHVWDPSRFRVHSHUPLWHODH[FOXVLyQROLPLWDFLyQ
GHGDxRVGHULYDGRVRLQGLUHFWRVGHPRGRTXHHVSRVLEOHTXHODOLPLWDFLyQ
DQWHULRUQRVHDSOLTXHHQVXFDVR
/RVSURGXFWRVVHYHQGHQHQEDVHDHVSHFLILFDFLRQHVDSOLFDEOHVHQHO
PRPHQWRGHODIDEULFDFLyQ+HZOHWW3DFNDUGQRWHQGUiREOLJDFLyQDOJXQD
GHPRGLILFDURDFWXDOL]DUORVSURGXFWRVXQDYH]YHQGLGRV
Servicio tcnico
/DFRPSDxtD+HZOHWW3DFNDUGWLHQHFHQWURVGHVHUYLFLRWpFQLFRHQ
PXFKRVSDtVHV(VWRVFHQWURVSURSRUFLRQDQVHUYLFLRVGHUHSDUDFLyQROD
VXVWLWXFLyQGHXQDFDOFXODGRUDSRUHOPLVPRPRGHORRXQPRGHOR
VXSHULRULQGHSHQGLHQWHPHQWHGHVLODFDOFXODGRUDHVWiFXELHUWDSRUOD
JDUDQWtDRQR/DVUHSDUDFLRQHVHIHFWXDGDVGHVSXpVGHOSHULRGRGHOD
JDUDQWtDVHIDFWXUDUiQDOFOLHQWH3RUORJHQHUDOODVFDOFXODGRUDVVHUHSDUDQ
\VHGHYXHOYHQDOSURSLHWDULRHQORVSULPHURVFLQFRGtDVSRVWHULRUHVDOD
UHFHSFLyQ
Gastos de reparacin
/DVUHSDUDFLRQHVUHDOL]DGDVIXHUDGHODJDUDQWtDHVWiQVXMHWDVDXQDWDULID
HVWiQGDU/RVFHQWURVGHVHUYLFLRWpFQLFRGH+3LQGLFDGRVHQOD
FRQWUDSRUWDGDOHLQIRUPDUiQGHOLPSRUWHFRUUHVSRQGLHQWH/RVJDVWRV
WRWDOHVHVWiQVXMHWRVDORVLPSXHVWRVORFDOHVVREUHYHQWDVRHQVXFDVRD
ORVLPSXHVWRVGHYDORUDxDGLGR
/RVSURGXFWRVGDxDGRVSRUDFFLGHQWHRXVRLQGHELGRQRHVWiQFXELHUWRV
SRUHVWHWLSRGHWDULIDVILMDV(QWDOHVFDVRVORVFDUJRVSRUUHSDUDFLRQHVVH
GHWHUPLQDQGHIRUPDLQGLYLGXDOEDViQGRVHHQODVKRUDVGHPDQRGHREUD
\HQORVPDWHULDOHVHPSOHDGRV
Instrucciones de envo
6LVXFDOFXODGRUDUHTXLHUHUHSDUDFLyQHQYtHODDOFHQWURGHVHUYLFLRWpFQLFR
+HZOHWW3DFNDUGPiVFHUFDQRDVXORFDOLGDGRDOSXQWRGHUHFRJLGD
GHVLJQDGR
n ,QFOX\DVXGLUHFFLyQ\XQDGHVFULSFLyQGHOSUREOHPD
n ,QFOX\DHOUHFLERGHFRPSUDFRQODIHFKDHQFDVRGHTXHODJDUDQWtD
VLJDYLJHQWH
n ,QFOX\DXQDRUGHQGHFRPSUDXQFKHTXHRXQQ~PHURGHWDUMHWDGH
FUpGLWRFRQIHFKDGHYHQFLPLHQWR9,6$R0DVWHU&DUGSDUDFXEULU
HOFDUJRHVWiQGDUGHUHSDUDFLyQ
7HQJDHQFXHQWDTXHHVSRVLEOHTXHQRDFHSWHQDOJXQDVWDUMHWDVGH
FUpGLWRHQ(XURSD(QFRQWUDUiPiVLQIRUPDFLyQHQKWWS
ZZZKSFRPFDOFXODWRUV
n (QYXHOYDODFDOFXODGRUDFRQPDWHULDOHVSURWHFWRUHVDGHFXDGRVSDUD
HYLWDUGDxRV\HQYtHOD(VWRVGDxRVQRHVWiQFXELHUWRVSRUOD
JDUDQWtDSRUORFXDOUHFRPHQGDPRVTXHDVHJXUHHOSDTXHWH
n 3DJXHORVJDVWRVGHHQYtRDOFHQWURGHVHUYLFLRWpFQLFRGH&RUYDOOLV
LQGHSHQGLHQWHPHQWHGHVLODFDOFXODGRUDHVWiRQRHQJDUDQWtD
(VWDFDOFXODGRUDJHQHUDXWLOL]D\SXHGHUDGLDUHQHUJtDGHUDGLRIUHFXHQFLD
TXHSRGUtDLQWHUIHULUFRQODUHFHSFLyQGHUDGLR\WHOHYLVLyQ/DFDOFXODGRUD
FXPSOHFRQODVOLPLWDFLRQHVSDUDXQGLVSRVLWLYRGLJLWDOGH&ODVH%VHJ~QHO
$SDUWDGRGHODVQRUPDV)&&GLVHxDGDVSDUDVXPLQLVWUDUXQD
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UHVLGHQFLDO6LQHPEDUJRQRKD\QLQJXQDJDUDQWtDGHTXHQRVH
SURGXFLUiQLQWHUIHUHQFLDVHQXQDLQVWDODFLyQGHWHUPLQDGD(QHOFDVR
SRFRSUREDEOHGHTXHKD\DLQWHUIHUHQFLDVHQODUHFHSFLyQGHUDGLRR
WHOHYLVLyQORFXDOVHSXHGHGHWHUPLQDUDSDJDQGR\YROYLHQGRDHQFHQGHU
ODFDOFXODGRUDWUDWHGHFRUUHJLUODVLWXDFLyQPHGLDQWHODVVLJXLHQWHV
PHGLGDV
n 5HRULHQWHODDQWHQDUHFHSWRUD
n &DPELHODXELFDFLyQGHODFDOFXODGRUDFRQUHVSHFWRDOUHFHSWRU
(QFXPSOLPLHQWRGHO$SDUWDGRGHODVQRUPDV)&&ORVFDPELRVR
PRGLILFDFLRQHVGHHVWHHTXLSRQRDSUREDGRVH[SOtFLWDPHQWHSRU+HZOHWW
3DFNDUGSRGUtDQDQXODUODDXWRULGDGGHOXVXDULRSDUDXWLOL]DUHVWHHTXLSR
Canad (VWHDSDUDWRGLJLWDOGH&ODVH%FXPSOHORVUHTXLVLWRVGHOD
QRUPDFDQDGLHQVHVREUH(0&GH&ODVH%
&HWDSSDUHLOQXPpULTXHGHODFODVVH%HVWFRPIRUPHjODFODVVH%GHV
QRUPHVFDQDGLHQQHVGHFRPSDWLELOLWppOHFWURPDJQpWLTXHV&(0
(QODPD\RUtDGHORVFDVRVODFDOFXODGRUDKDOODODUHVSXHVWDGHVHDGD\D
TXHHQJHQHUDOH[LVWHXQD~QLFDVROXFLyQ6LQHPEDUJRHOFiOFXORGH
7,5$f2GHFLHUWRVJUXSRVGHIOXMRVGHFDMDHVPiVFRPSOHMR(V
SRVLEOHTXHKD\DPiVGHXQDVROXFLyQPDWHPiWLFDSDUDHOPLVPR
SUREOHPDRTXHQRKD\DVROXFLyQDOJXQD(QHVWRVFDVRVODFDOFXODGRUD
PXHVWUDXQPHQVDMHSDUDD\XGDUOHDLQWHUSUHWDUORRFXUULGR
n Caso 2./DFDOFXODGRUDKDOODXQDUHVSXHVWDQHJDWLYDSHURWDPELpQ
R %
XQWLHPSRUHODWLYDPHQWHODUJR3XHGHLQWHUUXPSLUHOFiOFXORFXDQGROR
GHVHHSRUPHGLRGHODWHFOD $SDUHFHUiHOPHQVDMHInterrupted6LSXOVD
VHPRVWUDUiODHVWLPDFLyQDFWXDOGH7,5$f23DUDUHDQXGDUHO
FiOFXOR
n &XDQGRDSDUH]FDHQSDQWDOODODHVWLPDFLyQDFWXDOSXOVH *!*9
(VWRUHDQXGDUiHOFiOFXORGHVGHHOSXQWRHQTXHORLQWHUUXPSLy
n $OPDFHQHXQDHVWLPDFLyQGH7,5$f2WDOFRPRVHGHVFULEHD
FRQWLQXDFLyQ
*!*9
,QWURGX]FDODHVWLPDFLyQGH7,5$f2\DFRQWLQXDFLyQSXOVH
3XHGHLQWURGXFLUXQDHVWLPDFLyQGH7,5$f2HQORV
VLJXLHQWHVPRPHQWRV
n $QWHVGHLQLFLDUHOFiOFXOR8QDHVWLPDFLyQPiVRPHQRVH[DFWD
SXHGHUHGXFLUHQJUDQPHGLGDHOWLHPSRQHFHVDULRSDUDFDOFXODUOD
VROXFLyQDVtFRPRODSUREDELOLGDGGHTXHODFDOFXODGRUDOOHJXHDXQD
VROXFLyQQHJDWLYDQRGHVHDGD
n 'HVSXpVGHLQWHUUXPSLUHOFiOFXOR
n &XDQGRODFDOFXODGRUDLQWHUUXPSDHOFiOFXORSRUDOJXQDGHODVFDXVDV
PHQFLRQDGDV1RREVWDQWHHQORVFDVRV\QRVHSRGUiHQFRQWUDU
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FDVRSXHGHTXHGHVHHERUUDUORVUHJLVWURVHVWDGtVWLFRV\YROYHUD
LQWURGXFLUORVGDWRV
Intervalo de nmeros
/RVQ~PHURVSRVLWLYRV\QHJDWLYRVPiVJUDQGHVGLVSRQLEOHVHQOD
FDOFXODGRUDVRQORVQ~PHURVSRVLWLYRV\
QHJDWLYRVPiVSHTXHxRVGLVSRQLEOHVVRQ6LVHSURGXFHXQ
VXEGHVERUGDPLHQWRVHPRVWUDUiHOPHQVDMHUFLO\GHVSXpVXQFHUR
&RQVXOWHODGHVFULSFLyQGHORVPHQVDMHVOFLO\UFLOHQ0HQVDMHVD
FRQWLQXDFLyQGHHVWHDSpQGLFH
Ecuaciones
I/YR
L =
P/YR
L N
L S
0 = PV + + --------------- PMT -------------------------------------
L-
-------
L N
+ FV 1 + --------
Amortizacin
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N HOQ~PHURGHO~OWLPRJUXSRGHIOXMRVGHFDMD
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-
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NPV = CF 0 + CF j ------------------------------------- 1 + -------
j=1 L
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Estadsticas
[ y [\
[ = ------- y = ------- [ Z = ----------
Q Q \
2
( [)
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Q
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Q
2
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y --------------
Q
Sy = ------------------------------
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x = ------------------------------- y = ------------------------------
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x y
xy ---------------
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r = ----------------------------------------------------------------------------
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n n
x y
xy ---------------
n
m = -------------------------------2-
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x --------------
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yb
b = y mx x = ----------- y = mx + b
m
Mensajes
3XOVH %RRSDUDERUUDUXQPHQVDMHGHODSDQWDOOD
All Clear
6HKDERUUDGRODPHPRULDSiJLQD
COPR HP2000
0HQVDMHGHFRS\ULJKW
Interrupted
6HLQWHUUXPSLyXQFiOFXORGH,55<5,<5RGHDPRUWL]DFLyQDOSXOVDU
%
No Solution
1RH[LVWHQLQJXQDVROXFLyQSDUDORVYDORUHVLQWURGXFLGRVSiJLQD
Not Found
3XHGHH[LVWLURQRXQDVROXFLyQGH,55<5\,<56LLQWHQWDFDOFXODU
XQDVROXFLyQGH,<5SXHGHUHDOL]DUHOFiOFXORPHGLDQWH,55<56L
LQWHQWDFDOFXODU,55<5FRQVXOWHSiJLQD
OFLO
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FDOFXODGRUD(VWHPHQVDMHDSDUHFHEUHYHPHQWH\DFRQWLQXDFLyQVH
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Pos Irr Also
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C: Mensajes 147
10B.book Page 148 Sunday, June 25, 2000 1:26 PM
Running
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148 C: Mensajes
10B.book Page 149 Sunday, June 25, 2000 1:26 PM
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150 ndice
10B.book Page 151 Sunday, June 25, 2000 1:26 PM
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