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HP 10BII - Guía Del Usuario - Ed1 - May2003 - Español - Bpia5237 - 154págs+++++ PDF
HP 10BII - Guía Del Usuario - Ed1 - May2003 - Español - Bpia5237 - 154págs+++++ PDF
Edición 1
Número de parte de HP F1902-90005
Hewlett-Packard Company
4995 Murphy Canyon Rd,
Suite 301
San Diego,CA 92123
Historial de impresión
Edición 1 Mayo 2003
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10B.book Page 4 Sunday, June 25, 2000 1:26 PM
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11 Introducción rápida
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Contenido 5
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2 35 Porcentajes comerciales
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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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C 147 Mensajes
149 Índice
Contenido 9
10BTOC.FM Page 10 Sunday, June 25, 2000 2:40 PM
10B.book Page 11 Sunday, June 25, 2000 1:26 PM
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Introducción rápida 19
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10B.book Page 23 Sunday, June 25, 2000 1:26 PM
Introducción
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/RVFiOFXORVHQFDGHQDVHLQWHUSUHWDQHQHORUGHQGHLQWURGXFFLyQ
&DOFXOHï
" $JUHJD
13,00
39,00 0XOWLSOLFDï
24 1: Introducción
10B.book Page 25 Sunday, June 25, 2000 1:26 PM
El cursor
(OFXUVRUBHVYLVLEOHFXDQGRVHLQWURGXFHXQQ~PHUR
Borrar en la calculadora
&XDQGRHOFXUVRUHVWiDFWLYDGR RERUUDHO~OWLPRGtJLWR
LQWURGXFLGR(QFDVRFRQWUDULR RERUUDODSDQWDOOD\
FDQFHODHOFiOFXOR
%
6LSXOVD PLHQWUDVLQWURGXFHXQQ~PHURVHERUUDUiHO
YDORULQWURGXFLGRKDVWDHOPRPHQWR6LQR ERUUDHO %
FRQWHQLGRGHODSDQWDOOD\FDQFHODHOFiOFXORHQFXUVR
Borrado de mensajes.&XDQGROD+3%,,PXHVWUDXQPHQVDMHGH
R %
HUURU R ERUUDQHOPHQVDMH\UHVWDXUDQHOFRQWHQLGRRULJLQDOGHOD
SDQWDOOD&RQVXOWH´0HQVDMHVµHQODSiJLQD SDUDYHUXQDOLVWD
FRPSOHWDGHORVPHQVDMHV\VXVVLJQLILFDGRV
Borrado de la memoria
Teclas: Descripción:
*& %RUUDWRGDODPHPRULD1RUHVWDEOHFHORVPRGRV
*j %RUUDODPHPRULDGHHVWDGtVWLFDV
/RVPRGRVGLVSRQLEOHVHQOD+3%,,VRQ1~PHURGHSDJRVSRUDxRSiJLQD 3ULQFLSLR\)LQSiJLQD
\ORVIRUPDWRVGHSUHVHQWDFLyQSiJLQD
1: Introducción 25
10B.book Page 26 Sunday, June 25, 2000 1:26 PM
3DUDERUUDUWRGDODPHPRULD\UHVWDEOHFHUORVPRGRVGHODFDOFXODGRUD
1
SXOVH\PDQWHQJDSXOVDGD \DFRQWLQXDFLyQSXOVH\PDQWHQJD
P /
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PHPRULD6HSUHVHQWDUiHOPHQVDMHAll Clear
Indicadores
/RVLQGLFDGRUHVVRQVtPERORVTXHVHPXHVWUDQHQODSDQWDOODSDUDLQGLFDU
HOHVWDGRGHODFDOFXODGRUD
Indicador Estado
SHIFT *
6HKDSXOVDGRODWHFODGHFDPELR &XDQGRVH
SXOVHRWUDWHFODVHHMHFXWDUiODIXQFLyQHVFULWDHQ
QDUDQMDHQODWHFOD
STATS )
/DWHFODGHHVWDGtVWLFDV HVWiDFWLYD&XDQGR
SXOVHRWUDWHFODVHHMHFXWDUiODIXQFLyQHVFULWDHQ
PDOYDVLWXDGDHQODSDUWHVXSHULRUGHODWHFOD
PEND 8QDRSHUDFLyQHVSHUDRWURRSHUDQGR
BEGIN (OPRGR,QLFLRHVWiDFWLYRSiJLQD HVGHFLUORV
SDJRVVHUHDOL]DQHQHOLQLFLRGHXQSHULRGR
INPUT 0
6HKDSXOVDGRODWHFOD \VHKDDOPDFHQDGRXQ
Q~PHUR
/DFDUJDGHODEDWHUtDHVEDMDSiJLQD
AMORT (OLQGLFDGRUGHDPRUWL]DFLyQHVWiHQFHQGLGRMXQWR
FRQXQRGHORVFXDWURLQGLFDGRUHVVLJXLHQWHV
BAL 6HPXHVWUDHOVDOGRGHXQDDPRUWL]DFLyQ
SiJLQD
INT 6HPXHVWUDHOFDSLWDOGHXQDDPRUWL]DFLyQ
SiJLQD
PRIN 6HPXHVWUDHOFDSLWDOGHXQDDPRUWL]DFLyQ
SiJLQD
PER 6HXWLOL]DXQJUXSRGHSHULRGRVSDUDXQD
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FRQXQRGHORVGRVLQGLFDGRUHVVLJXLHQWHV
CF $SDUHFHGXUDQWHXQPRPHQWRHOQ~PHURGHIOXMR
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26 1: Introducción
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
FULL 6HKDQLQWURGXFLGRPiVGHTXLQFHIOXMRVGHFDMDR
PiVGHFLQFRFRUFKHWHVQRFHUUDGRV
STAT 6HKDQXWLOL]DGRGDWRVLQFRUUHFWRVHQXQFiOFXOR
HVWDGtVWLFRRVLQRVHPXHVWUDHOLQGLFDGRUERROR
VHKDUHDOL]DGRXQFiOFXORHVWDGtVWLFR
FUNC 6HKDSURGXFLGRXQHUURUGHFiOFXORSRUHMHPSOR
XQDGLYLVLyQSRUFHUR
STAT 6HKDUHDOL]DGRXQFiOFXORHVWDGtVWLFR
Tecla de cambio
/DPD\RUtDGHODVWHFODVGHOD+3%,,FXHQWDQFRQXQD
IXQFLyQVHFXQGDULDRGHFDPELRLPSUHVDHQQDUDQMDHQ
*
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SDUDWHQHUDFFHVRDHVWDVIXQFLRQHV
*
&XDQGRSXOVH VHPRVWUDUiHOLQGLFDGRUGHFDPELR
SHIFT SDUDLQGLFDUTXHODVIXQFLRQHVGHFDPELRVH
HQFXHQWUDQDFWLYDV3DUDGHVDFWLYDUHOLQGLFDGRUSHIFT
SXOVHGHQXHYR *
* h
3RUHMHPSORSXOVH VHJXLGRGH WDPELpQVHPXHVWUDFRPR *h
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1: Introducción 27
10B.book Page 28 Sunday, June 25, 2000 1:26 PM
Tecla Estadísticas
)
/DWHFODGHHVWDGtVWLFDV GHFRORUPDOYDVHXWLOL]DSDUD
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) ;
3RUHMHPSORSXOVH VHJXLGDGH SDUDUHFXSHUDUODVXPDGHORV[
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Tecla INPUT
0
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LQWHUFDPELR
n ,QWHUFDPELRGHORVGRV~OWLPRVQ~PHURV
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28 1: Introducción
10B.book Page 29 Sunday, June 25, 2000 1:26 PM
Funciones matemáticas
Funciones de un número. /DVIXQFLRQHVPDWHPiWLFDV
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ODSDQWDOOD
1: Introducción 29
10B.book Page 30 Sunday, June 25, 2000 1:26 PM
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30 1: Introducción
10B.book Page 31 Sunday, June 25, 2000 1:26 PM
Notación científica
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SHTXHxRV3RUHMHPSORVLLQWURGXFHHOQ~PHUR
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L]TXLHUGDµ3DUDLQWURGXFLUHVWHQ~PHURSXOVH *'(
&RPLHQFHFRQGRVSRVLFLRQHVGHFLPDOHV *
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d 5HDOL]DODGLYLVLyQ
*
1,43
142857142857 0XHVWUDORVGtJLWRV
1: Introducción 31
10B.book Page 32 Sunday, June 25, 2000 1:26 PM
3RUHMHPSORVHSXHGHPRVWUDUXQPLOOyQFRPR
R
Redondeo de números
/DFDOFXODGRUDDOPDFHQD\XWLOL]DHQORVFiOFXORVQ~PHURV
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UHGRQGHRGHQ~PHURVUHVXOWD~WLOSDUDFDOFXODUHOYDORU
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Teclas: Pantalla: Descripción:
9,87654321_ ,QWURGXFHXQQ~PHUR
FRQPiVGHGRV
SRVLFLRQHVGHFLPDOHV
GLVWLQWDVGHFHUR
* 9,88 0XHVWUDGRVSRVLFLRQHV
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32 1: Introducción
10B.book Page 33 Sunday, June 25, 2000 1:26 PM
Mensajes
/D+3%,,PXHVWUDPHQVDMHVTXHOHLQIRUPDQGHOHVWDGRGHOD
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1: Introducción 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
3XHGHXWLOL]DUOD+3%,,SDUDFDOFXODUSRUFHQWDMHVVLPSOHVSRUFHQWDMHV
GHFDPELRFRVWHVSUHFLRVPiUJHQHV\PiUJHQHVGHEHQHILFLR
Tecla Porcentaje
/DWHFOD WLHQHGRVIXQFLRQHVHOFiOFXORGHSRUFHQWDMHV\
ODVXPDRUHVWDGHSRUFHQWDMHV
Cálculo de porcentajes
D
/DWHFOD GLYLGHXQQ~PHURHQWUHDPHQRVTXHYD\DSUHFHGLGDSRU
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Ejemplo. &DOFXOHHOGH
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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1.337,50 6XPD\
SDUD
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Porcentaje de cambio
&DOFXOHHOSRUFHQWDMHGHFDPELRHQWUHGRVQ~PHURVQ \Q
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0 *6
Q
Q \DFRQWLQXDFLyQSXOVH
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Teclas: Pantalla: Descripción:
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
FDPELR
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\ORVYHQGHD¢&XiOHVHOPDUJHQ"
Teclas: Pantalla: Descripción:
7 255,00 $OPDFHQDHOFRVWHHQ
&67
c 300,00 $OPDFHQDHOSUHFLRGH
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] 15,00 &DOFXODHOPDUJHQ
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 números y
operaciones aritméticas
Uso de constantes
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1,00 $OPDFHQD´µ
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$OPDFHQDHOQ~PHURPRVWUDGRHQHOUHJLVWUR0
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FRQWLQXDFLyQUHVWH\UHFXSHUHHOUHVXOWDGR
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17,00 $OPDFHQDHQHO
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14,25 6XPDDOUHJLVWUR0
(
16,95 6XPDDOUHJLVWUR0
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475,60 $OPDFHQDHO
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$OPDFHQDHQ5
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45,70
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0,25 &DOFXODHOYDORU
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4,47 &DOFXOD√
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12,18 &DOFXODH
2,50 &DOFXODHOORJDULWPR
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24,00 &DOFXODHOIDFWRULDOGH
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*^
1.953.125,00 &DOFXOD
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85,00 $~QQRVHUHDOL]DQLQJ~Q
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16.567,20
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flujos de caja positivos (dinero recibido).
5.000,00
La línea horizontal representa
el tiempo (dividido en periodos).
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
-5.000,00
-6.000,00
-7.000,00
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FRQWLHQHQLQJXQDIOHFKDVLJQLILFDTXHQRVHKDUHDOL]DGRQLQJ~Q
PRYLPLHQWRHQHOSHULRGRFRUUHVSRQGLHQWH
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FXDQGRXQSUHVWDPLVWDUHFLEHGLQHURGHXQFOLHQWHHOIOXMRGHFDMDVH
UHSUHVHQWDFRPRXQYDORUSRVLWLYR(QFDPELRGHVGHHOSXQWRGHYLVWD
GHOSUHVWDWDULRHOGLQHURSUHVWDGRVHUHSUHVHQWDFRPRXQYDORUSRVLWLYR
PLHQWUDVTXHHOGLQHURSDJDGRVHUHSUHVHQWDFRPRXQYDORUQHJDWLYR
Interés simple
(QORVFRQWUDWRVGHLQWHUpVVLPSOHHOLQWHUpVUHSUHVHQWDXQSRUFHQWDMHGHO
FDSLWDORULJLQDO(OLQWHUpV\HOFDSLWDOYHQFHQDOILQDOGHOFRQWUDWR3RU
HMHPSORVXSRQJDTXHOHSUHVWDDXQDPLJRODVXPDGHSRUHOSOD]R
GHXQDxR\GHVHDJDQDUXQLQWHUpVVLPSOHGHO$OILQDOGHODxRVX
D
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(QFRQWUDUiXQHMHPSORGHFiOFXORGHLQWHUpVVLPSOHHQODSiJLQD
Interés compuesto
8QFRQWUDWRGHLQWHUpVFRPSXHVWRHVFRPRXQDVHULHHQFDGHQDGDGH
FRQWUDWRVGHLQWHUpVVLPSOH(OSOD]RGHFDGDFRQWUDWRGHLQWHUpVVLPSOH
HTXLYDOHDXQSHULRGRGHFDSLWDOL]DFLyQ$OILQDOGHFDGDSHULRGRHOLQWHUpV
GHYHQJDGRSRUFDGDFRQWUDWRGHLQWHUpVVLPSOHVHDJUHJDDOFDSLWDO3RU
HMHPSORVLGHSRVLWDHQXQDFXHQWDGHDKRUURTXHSDJDHOGH
LQWHUpVDQXDOFDSLWDOL]DGRPHQVXDOPHQWHHOLQWHUpVJDQDGRGXUDQWHHO
SULPHUPHVHTXLYDOGUiDXQFRQWUDWRGHLQWHUpVVLPSOHGHXQPHVDXQ
LQWHUpVGHó¸$OILQDOGHOSULPHUPHVODFXHQWDWHQGUiXQ
VDOGRGHHVHOóGH
'XUDQWHHOVHJXQGRPHVVHUHDOL]DUiHOPLVPRSURFHVRFRQHOQXHYR
VDOGRGH/DFDQWLGDGGHLQWHUpVGHYHQJDGRDOILQDOGHOVHJXQGR
PHVVHUióGHRVHD(VWHSURFHVRGHFDSLWDOL]DFLyQ
FRQWLQXDUiGXUDQWHORVPHVHVWHUFHURFXDUWR\TXLQWR(QODLOXVWUDFLyQ
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
/DSDODEUDFRPSXHVWRGHOWpUPLQR´LQWHUpVFRPSXHVWRµSURYLHQHGHO
FRQFHSWRGHTXHHOLQWHUpVJDQDGRRDFXPXODGRHQXQSHULRGRDQWHULRUVH
DJUHJDDOFDSLWDO'HHVWDPDQHUDHOLQWHUpVJDQDDVXYH]XQLQWHUpV
DGLFLRQDO/DVIXQFLRQHVILQDQFLHUDVGHODFDOFXODGRUD+3%,,VHEDVDQ
HQHOFRQFHSWRGHLQWHUpVFRPSXHVWR
Tasas de interés
$OUHVROYHUXQSUREOHPDILQDQFLHURGHEHWHQHUHQFXHQWDTXHSXHGH
GHVFULELUODWDVDGHLQWHUpVRODWDVDGHUHQGLPLHQWRGHWUHVIRUPDV
GLIHUHQWHV
n 7DVDSHULyGLFD(VODWDVDTXHVHDSOLFDDOFDSLWDOGHXQSHULRGRDRWUR
n 7DVDQRPLQDODQXDO(VODWDVDSHULyGLFDPXOWLSOLFDGDSRUHOQ~PHUR
GHSHULRGRVSRUDxR
n 7DVDHIHFWLYDDQXDO(VODWDVDDQXDOTXHWLHQHHQFXHQWDOD
FDSLWDOL]DFLyQ
(QHOHMHPSORDQWHULRUGHXQDFXHQWDGHDKRUURGHVHXWLOL]D
XQDWDVDSHULyGLFDGHóPHQVXDOTXHWDPELpQVHSXHGHH[SUHVDU
FRPRWDVDQRPLQDODQXDOGHOóï(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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DXQDLQYHUVLyQUHDOL]DGDHQXQIRQGR(VWHWLSRGHSUREOHPDVVHUHVXHOYH
WDVDLQWHUQDGH
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
(QHOFDStWXORVHGHVFULEHQORVSUREOHPDVGHIOXMRVGHFDMD
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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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PRGR)LQQRDSDUHFHQLQJ~QLQGLFDGRU
/DVKLSRWHFDV\ORVSUpVWDPRVVXHOHQXWLOL]DUHOPRGR)LQ/RV
DUUHQGDPLHQWRV\ODVFXHQWDVGHDKRUURVXHOHQXWLOL]DUHOPRGR3ULQFLSLR
Cálculos de préstamos
Ejemplo: Un préstamo para comprar un automóvil. 'HVHDILQDQFLDU
XQDXWRPyYLOQXHYRPHGLDQWHXQSUpVWDPRFRQXQSOD]RGHWUHVDxRVFRQ
XQLQWHUpVQRPLQDODQXDOGHO\FDSLWDOL]DFLyQPHQVXDO(OSUHFLR
GHODXWRPyYLOHVGH/DHQWUDGDTXHDSRUWDUiVHUiGH
Parte 1. ¢&XiOVHUiHOLPSRUWHGHORVSDJRVPHQVXDOHVVLHOLQWHUpVHVGHO
"(OSULPHUSDJRVHUHDOL]DUiXQPHVGHVSXpVGHODDGTXLVLFLyQGHO
DXWRPyYLORDOILQDOGHOSULPHUSHULRGR
VA = 14.500 - 1.500
I/AÑO= 10,5%
N = 3 × 12
P/AÑO = 12
1 2
... 35 36
PMT = ?
Modo Fin
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
12,00
Descripción:
(VWDEOHFHHOQ~PHURGH
"P 36,00
SHULRGRVSRUDxR
$OPDFHQDHOQ~PHUR
GHSHULRGRVGHO
. 10,50
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13.000,00
DQXDO
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/ 0,00
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$OPDFHQDODFDQWLGDG
TXHKDEUiTXHSDJDUDO
2 –422,53
ILQDOGHORVWUHVDxRV
&DOFXODHOSDJR
PHQVXDO(OVLJQR
QHJDWLYRLQGLFDTXHVH
WUDWDGHXQSDJR
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2
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. –372,53
2,03
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.
¢FXiOHVHOSUHFLRPi[LPRTXHSXHGHSDJDUSRUHODXWRPyYLO"
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RULJLQDO
$OPDFHQDHOSDJRPHQVXDO
11.537,59
GHVHDGR
&DOFXODHOLPSRUWHTXHKD\
13.037,59
TXHILQDQFLDU
6XPDHOSDJRLQLFLDODOD
FDQWLGDGILQDQFLDGDSDUD
FDOFXODUHOSUHFLRWRWDOGHO
DXWRPyYLO
VA = ?
I/AÑO = 7,5%
N = 30 × 12
P/AÑO = 12
1 2 3 4
... 356 357 358 359 360
PAGO = -930,00
Modo Fin
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
12,00
Descripción:
(VWDEOHFHHOQ~PHURGH
*U 360,00
SHULRGRVSRUDxR
$OPDFHQDHOSOD]RGHOD
/ 0,00
KLSRWHFD[
/DKLSRWHFDVH
DPRUWL]DUiWRWDOPHQWH
. 7,50
HQDxRV
$OPDFHQDODWDVDGH
(2 –930,00
LQWHUpV
$OPDFHQDHOSDJR
PHQVXDOGHVHDGRHO
GLQHURSDJDGRHVXQ
133.006,39
YDORUQHJDWLYR
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Pi[LPRGHOSUpVWDPR
SDUDXQSDJRPHQVXDO
145.006,39
GH
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SUHFLRWRWDOGH
DGTXLVLFLyQ
5HVXHOYDHOSUREOHPDHQGRVHWDSDV
&DOFXOHHOSDJRPHQVXDOGHOSUpVWDPREDViQGRVHHQXQSOD]RGH
DxRV
&DOFXOHHOVDOGRUHVWDQWHGHVSXpVGHFXDWURDxRV
Paso 1. (QSULPHUOXJDUFDOFXOHHOSDJRPHQVXDOGHOSUpVWDPRSDUDXQ
SOD]RGHDxRV
AV = 172.500
I/AÑO = 8,8%
N = 25 × 12
P/AÑO = 12
1 2
... 299 300
PAGO = ?
Modo Fin
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
12,00
Descripción:
(VWDEOHFHHOQ~PHURGH
*U 300,00
SHULRGRVSRUDxR
$OPDFHQDHOSOD]RGHOD
KLSRWHFDï
/ 0,00
PHVHV
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SUpVWDPRDOILQDOGHORV
172.500,00
DxRV
$OPDFHQDHOLPSRUWH
. 8,80
RULJLQDOGHOSUpVWDPR
$OPDFHQDODWDVDGH
2 –1.424,06
LQWHUpVDQXDO
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PHQVXDO
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SDJRSHULyGLFR\HOSDJRGHOLTXLGDFLyQVHUHDOL]DUiQVLPXOWiQHDPHQWH(O
SDJRILQDOUHSUHVHQWDODVXPDGH3$*2307\9))9
VA = 172.500,00
I/AÑO = 8,8%
N = 4 × 12
P/AÑO = 12
1 2 3 4
... 44 45 46 47 48
PAGO = -1.424,06
Modo Fin VF = ?
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SXOVH *
VHOHFFLRQDGRXQIRUPDWRGHGRVSRVLFLRQHVGHFLPDOHV
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–1.424,06
Descripción:
5HGRQGHDHOSDJRDGRV
SRVLFLRQHVGHFLPDOHV\D
P 48,00
FRQWLQXDFLyQDOPDFHQDHOYDORU
$OPDFHQDHOSOD]RGHFXDWUR
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/ –163.388,39
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&DOFXODHOVDOGRGHOSUpVWDPRDO
2 –164.812,45
ILQDOGHORVFXDWURDxRV
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Q~PHUR3$*2307\9)
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HOGLQHURSDJDGRHVXQYDORU
QHJDWLYR
Cálculos de ahorro
Ejemplo: Una cuenta de ahorro. 6LGHSRVLWDHQXQDFXHQWD
GHDKRUURTXHGHYHQJDXQLQWHUpVDQXDOGHOFRQFDSLWDOL]DFLyQDQXDO
\QRHIHFW~DQLQJ~QRWURGHSyVLWRHQODFXHQWD¢FXiQWRWLHPSRWDUGDUiHQ
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
Descripción:
%RUUDWRGRVORVUHJLVWURV
1 1,00 (VWDEOHFHHOYDORUGH3$f2
3<5D\DTXHHOLQWHUpVVH
( –2.000,00
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$OPDFHQDHOLPSRUWHSDJDGR
/ 3.000,00
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$OPDFHQDHOLPSRUWHTXHGHVHD
. 7,20
DFXPXODU
$OPDFHQDODWDVDGHLQWHUpV
P 5,83
DQXDO
&DOFXODHOQ~PHURGHDxRVTXH
VHWDUGDUiHQDFXPXODU
'DGRTXHHOYDORUFDOFXODGRGH1HVWiHQWUH\VHUiQQHFHVDULRVVHLV
DxRVSDUDDFXPXODUXQVDOGRGHDOPHQRV&DOFXOHHOVDOGRUHDO
P
DFXPXODGRGHVSXpVGHORVVHLVDxRV
6,00 P
(VWDEOHFHHOYDORUGH
/ 3.035,28
DDxRV
&DOFXODHOLPSRUWHTXH
SRGUiUHWLUDUGHVSXpV
GHDxRV
VF= ?
I/AÑO = 6,3%
N = 360 (15 años × 24 quincenas)
P/AÑO = 24
(Periodos quincenales)
1 2 3 4
... 360
PAGO = -80,00
VA = -2.000,00
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
24,00
Descripción:
(VSHFLILFDHOQ~PHUR
( –2.000,00
GHSHULRGRVSRUDxR
$OPDFHQDHOGHSyVLWR
(2 –80,00
LQLFLDO
$OPDFHQDORV
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. 6,30
SHULyGLFRV
$OPDFHQDODWDVDGH
*U 360,00
LQWHUpV
$OPDFHQDHOQ~PHUR
/ 52.975,60
GHGHSyVLWRV
&DOFXODHOVDOGR
Ejemplo: Renta. +DGHFLGLGRMXELODUVHDQWLFLSDGDPHQWH'LVSRQHGH
XQRVDKRUURVDFXPXODGRVGHTXHGHYHQJDQXQLQWHUpVDQXDO
PHGLRGHOFRQFDSLWDOL]DFLyQPHQVXDO¢4XpUHQWDUHSHWLWLYD
XQLIRUPHUHWLUDGDGHIRQGRVSRGUiUHFLELUDOSULQFLSLRGHFDGDPHVVL
GHVHDTXHHVWDFXHQWDGHDKRUUROHPDQWHQJDGXUDQWHORVSUy[LPRV
DxRV"
PAGO = ?
1 2
... 599 600
VF = 0
I/AÑO = 7%
N = 600 (50 × 12)
P/AÑO = 12
AV = -400.000,00
Modo Principio
*O
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SXOVH
*b
Teclas: Pantalla:
12,00
Descripción:
(VWDEOH]FDHOQ~PHURGH
( –400.000,00
SDJRVSRUDxR
$OPDFHQDHOLPSRUWHGHVX
DKRUURFRPRGHSyVLWR
. 7,00
VDOLHQWH
$OPDFHQDODWDVDGHLQWHUpV
*U 600,00
DQXDOTXHHVSHUDREWHQHU
$OPDFHQDHOQ~PHURGH
/ 0,00
UHWLUDGDV
$OPDFHQDHOVDOGRTXH
KDEUiHQODFXHQWDDOILQDO
2 2.392,80
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&DOFXODODFDQWLGDGTXH
SRGUiUHWLUDUDOSULQFLSLR
GHFDGDPHV
$OUHDOL]DUFiOFXORVGHDUUHQGDPLHQWRVSXHGHXWLOL]DUODVFLQFRWHFODVGHOD
DSOLFDFLyQ9'7+D\GRVFODVHVFRPXQHVGHFiOFXORVGHDUUHQGDPLHQWRV
ILQDQFLHURV
n &iOFXORGHOSDJRGHODFXRWDQHFHVDULDSDUDREWHQHUXQUHQGLPLHQWR
HVSHFtILFR
n &iOFXORGHOYDORUDFWXDOYDORUFDSLWDOL]DGRGHODUUHQGDPLHQWR
(OSULPHUSDJRGHXQFRQWUDWRGHDUUHQGDPLHQWRVHVXHOHUHDOL]DUDO
SULQFLSLRGHOSULPHUSHULRGR3RUHOORODPD\RUtDGHORVFiOFXORVGHHVWD
FODVHXWLOL]DQHOPRGR3ULQFLSLR
Ejemplo: Cálculo de un pago de arrendamiento 8QFOLHQWHGHVHD
DUUHQGDUSRUWUHVDxRVXQDXWRPyYLOTXHYDOH(ODUUHQGDPLHQWR
LQFOX\HODRSFLyQGHFRPSUDUHODXWRPyYLOSRUDOILQDOGHOSOD]RGH
FRQWUDWDGR(OSULPHUSDJRPHQVXDOYHQFHHOGtDHQTXHHOFOLHQWHUHFLEH
HODXWRPyYLO6LHOYHQGHGRUGHVHDREWHQHUXQUHQGLPLHQWRDQXDOGHO
FRQFDSLWDOL]DFLyQPHQVXDO¢FXiOGHEHVHUHOLPSRUWHGHOSDJRPHQVXDO"
&DOFXOHORVSDJRVGHVGHHOSXQWRGHYLVWDGHOYHQGHGRU
VF = 7.500,00
La cantidad recibida
PAGO = ? por el arrendatario
es positiva
1 2
... 35 36
I/AÑO = 10%
N = 36 La cantidad aportada
P/AÑO = 12 por el arrendatario
es negativa
AV = -13.500,00
Modo Principio
SXOVH *O
$FWLYHHOPRGR3ULQFLSLR6LQRVHPXHVWUDHQSDQWDOODQLQJ~QLQGLFDGRU
7HQJDHQFXHQWDTXHDXQTXHHOFOLHQWHGHFLGDQRFRPSUDUHODXWRPyYLOHO
*b
Teclas: Pantalla:
12,00
Descripción:
(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
DUUHQGDPLHQWRLJXDODOYDORUUHVLGXDOGHODXWRPyYLO,QGHSHQGLHQWHPHQWH
GHVLHOFOLHQWHDGTXLHUHHODXWRPyYLORVHYHQGHSRUDOJ~QRWURPHGLRHO
DUUHQGDGRUHVSHUDUHFXSHUDU
Ejemplo: Arrendamiento con pagos por adelantado. 6XHPSUHVD
GHVHDDUUHQGDUXQHOHYDGRUGHFDUJDSDUDHODOPDFpQ6HSUHSDUDXQ
FRQWUDWRGHDUUHQGDPLHQWRFRQXQSOD]RGHFXDWURDxRV\SDJRV
PHQVXDOHVGH/RVSDJRVSHULyGLFRVYHQFHQDOSULQFLSLRGHFDGD
PHVHOSULPHU\HO~OWLPRSDJRYHQFHQDOSULQFLSLRGHODUUHQGDPLHQWR
7LHQHODRSFLyQGHFRPSUDUHOHTXLSRSRUDOILQDOGHOSHULRGR
DFRUGDGR
6LODWDVDGHLQWHUpVDQXDOHVGHO¢FXiOVHUiHOYDORUFDSLWDOL]DGRGHO
DUUHQGDPLHQWR"
Modo Principio
VA = ?
I/AÑO = 9%
N = 48
P/AÑO = 12
1 2 3 4
... 44 45 46 47 48
PAGO = -2.400,00
(El pago nº 48 vence al principio del contrato)
VF = -15.000,00
(VWHSUREOHPDVHUHVXHOYHHQFXDWURHWDSDV
&DOFXOHHOYDORUDFWXDOGHORVSDJRVPHQVXDOHV
ï²
$xDGDHOYDORUGHOSDJRTXHVHUHDOL]DSRUDGHODQWDGR
&DOFXOHHOYDORUDFWXDOGHODRSFLyQGHFRPSUD
6XPHORVYDORUHVFDOFXODGRVHQORVSDVRV\
Paso 1&DOFXOHHOYDORUDFWXDOGHORVSDJRVPHQVXDOHV
*O
$FWLYHHOPRGR3ULQFLSLR6LQRVHPXHVWUDHQSDQWDOODQLQJ~QLQGLFDGRU
SXOVH
*b
Teclas: Pantalla:
12,00
Descripción:
(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
Paso 3. &DOFXOHHOYDORUDFWXDOGHODRSFLyQGHFRPSUD
48,00 $OPDFHQDHOPHVGHODRSFLyQ
2 0,00
GHFRPSUD
$OPDFHQDXQSDJRSHULyGLFR
LJXDODFHURSDUDHVWDHWDSDGH
(/ –15.000,00
ODVROXFLyQ
$OPDFHQDHOYDORUTXHVH
10.479,21
GHEHGHVFRQWDU
&DOFXODHOYDORUDFWXDOGHO
~OWLPRIOXMRGHFDMD
Paso 4. 6XPHORVUHVXOWDGRVGHORVSDVRV\
a
Teclas: Pantalla:
108.356,77
Descripción:
&DOFXODHOYDORUDFWXDO
FDSLWDOL]DGRGHO
DUUHQGDPLHQWR(QOD
SiJLQD VHH[SOLFDQODV
GLIHUHQFLDVGHUHGRQGHR
Amortización
/DDPRUWL]DFLyQHVHOSURFHVRGHVHSDFLyQGHXQSDJRHQ
ORVLPSRUWHVFRUUHVSRQGLHQWHVDOLQWHUpV\DOFDSLWDO$O
SULQFLSLRGHOSUpVWDPRODPD\RUSDUWHGHFDGDSDJRVXHOH
FRUUHVSRQGHUDORVLQWHUHVHVPLHQWUDVTXHHQORV~OWLPRV
PHVHVODPD\RUSDUWHFRUUHVSRQGHDOFDSLWDO
PAGO ($)
CAPITAL ($)
INTERÉS ($)
TIEMPO
/DWHFOD
VLJXLHQWH
*GHODFDOFXODGRUD+3%,,OHSHUPLWHFDOFXODUOR
n /DFDQWLGDGFRUUHVSRQGLHQWHDOLQWHUpVGHXQJUXSRGHSDJRV
n /DFDQWLGDGFRUUHVSRQGLHQWHDOFDSLWDOGHXQJUXSRGHSDJRV
n (OVDOGRGHOSUHVWDPRGHVSXpVGHUHDOL]DUXQQ~PHURHVSHFLILFDGRGH
SDJRV
/DIXQFLyQ *SUHVXSRQHTXHDFDEDGHFDOFXODUXQSDJRSHULyGLFRR
TXHKDDOPDFHQDGRORVYDORUHVDSURSLDGRVSDUDODDPRUWL]DFLyQHQODV
YDULDEOHV,$f2,<59$399))93$*2307\3$f2
.
3<5
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/2 6DOGRLQLFLDO
6DOGRILQDO
,PSRUWHGHOSDJRUHGRQGHDGRDOIRUPDWRGH
*b SUHVHQWDFLyQ
1~PHURGHSDJRVDQXDOHV
/RVYDORUHVGHLQWHUpVFDSLWDO\VDOGRVHPXHVWUDQUHGRQGHDGRVDO
IRUPDWRGHSUHVHQWDFLyQ
LQWURGX]FDHOQ~PHURGHOSHULRGR\SXOVH *
Para calcular la amortización. 3DUDDPRUWL]DUXQSDJR~QLFR
/DFDOFXODGRUD+3
%,,PRVWUDUiHOLQGLFDGRUPERVHJXLGRGHORVSDJRVLQLFLDO\ILQDOGHOD
DPRUWL]DFLyQ
3XOVH SDUDYHUHOLQWHUpVINT9XHOYDDSXOVDU SDUDYHUHOFDSLWDO
PRIN\SXOVHXQDYH]PiVSDUDYHUHOVDOGRBAL6LGHVHDYROYHUD
UHFRUUHUHVWRVYDORUHVVLJDSXOVDQGRODWHFOD
* 0
3DUDDPRUWL]DUXQJUXSRGHSDJRVLQWURGX]FDQ~PHURGHOSHULRGRLQLFLDO
Q~PHURGHOSHULRGRILQDO\DFRQWLQXDFLyQSXOVH /DFDOFXODGRUD+3
LQWHUYHQGUiQHQHOFiOFXORGHODDPRUWL]DFLyQ$FRQWLQXDFLyQSXOVH
YDULDVYHFHVSDUDUHFRUUHUORVYDORUHVGHLQWHUpVFDSLWDO\VDOGR
%,,PRVWUDUiHOLQGLFDGRUPERVHJXLGRGHORVSDJRVLQLFLDO\ILQDOTXH
3XOVH * GHQXHYRSDUDSDVDUDOSUy[LPRJUXSRGHSHULRGRV(VWD
RSHUDFLyQGHLQFUHPHQWRDXWRPiWLFROHHYLWDODPROHVWLDGHWHQHUTXH
LQWURGXFLUORVQXHYRVSHULRGRVLQLFLDOHV\ILQDOHV
6LDOPDFHQDRUHFXSHUDYDORUHVRVLUHDOL]DFXDOTXLHURWURFiOFXORGXUDQWH
ODDPRUWL]DFLyQDOSXOVDUODWHFOD \DQRVHPRVWUDUiQORVYDORUHV
DPRUWL]DFLyQFRQHOPLVPRJUXSRGHSHULRGRVSXOVH *
FRUUHVSRQGLHQWHVDOLQWHUpVHOFDSLWDO\HOVDOGR3DUDUHDQXGDUOD
Ejemplo: Amortización de un grupo de pagos. &DOFXOHORVGRV
SULPHURVDxRVGHXQDWDEODGHDPRUWL]DFLyQDQXDOGHXQSUpVWDPRGH
FRQXQSOD]RGHDXQLQWHUpVDQXDOGHO\SDJRV
PHQVXDOHV
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
*b
Teclas: Pantalla:
12,00
Descripción:
(VWDEOHFHHOQ~PHURGHSDJRV
*U 360,00
SRUDxR
$OPDFHQDHOQ~PHURWRWDOGH
.
7,75
SDJRV
$OPDFHQDHOLQWHUpVDQXDO
/
2
180.000,00
0,00
$OPDFHQDHOYDORUDFWXDO
$OPDFHQDHOYDORUIXWXUR
–1.289,54 &DOFXODHOSDJRPHQVXDO
6L\DFRQRFHHOLPSRUWHGHOSDJRPHQVXDOSXHGHLQWURGXFLUOR\
DOPDFHQDUORGHODPLVPDIRUPDTXHORVRWURVFXDWURYDORUHV$
FRQWLQXDFLyQGHEHFDOFXODUODDPRUWL]DFLyQFRUUHVSRQGLHQWHDOSULPHU
0
DxR
12_ ,QWURGXFHORVSHULRGRVLQLFLDO\
* 1– 12
ILQDO
0XHVWUDHOLQGLFDGRU3(5\HO
–1.579,82
JUXSRGHSDJRV
0XHVWUDHOLQGLFDGRU35,1\HO
FDSLWDOSDJDGRGXUDQWHHOSULPHU
–13.894,66
DxR
0XHVWUDHOLQGLFDGRU,17\HO
LQWHUpVSDJDGRGXUDQWHHOSULPHU
178.420,18
DxR
0XHVWUDHOLQGLFDGRU%$/\HO
VDOGRGHOSUpVWDPRDOILQDOGHO
SULPHUDxR
*
&DOFXOHODDPRUWL]DFLyQFRUUHVSRQGLHQWHDOVHJXQGRDxR
13– 24 0XHVWUDHOLQGLFDGRU3(5\HO
–1.706,69
VLJXLHQWHJUXSRGHSHULRGRV
0XHVWUDHOLQGLFDGRU35,1\HO
FDSLWDOSDJDGRHQHOVHJXQGR
–13.767,79
DxR
0XHVWUDHOLQGLFDGRU,17\HO
LQWHUpVSDJDGRHQHOVHJXQGR
176.713,49
DxR
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ORVSDJRV
*O
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SXOVH
*b
Teclas: Pantalla:
12,00
Descripción:
(VWDEOHFHHOQ~PHURGHSDJRV
*U 60,00
SRUDxR
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.
11,50
SDJRV
$OPDFHQDHOLQWHUpVDQXDO
/
2
14.250,00
0,00
–310,42
$OPDFHQDHOYDORUDFWXDO
$OPDFHQDHOYDORUIXWXUR
&DOFXODHOSDJRPHQVXDO
0
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* 1,00
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–310,42
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0XHVWUDHOLQGLFDGRU35,1\
0,00
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0XHVWUDHOLQGLFDGRU,17\HO
13.939,58
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0 25,00
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* 25– 25
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–220,21
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0XHVWUDHOLQGLFDGRU35,1\
HOFDSLWDOSDJDGRHQHOSDJR
–90,21
0XHVWUDHOLQGLFDGRU,17\HO
9.193,28
LQWHUpVSDJDGRHQHOSDJR
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0 54,00
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–290,37
SHULRGRGHSDJRDPRUWL]DGR
0XHVWUDHOLQGLFDGRU35,1\
HOFDSLWDOSDJDGRHQHOSDJR
–20,05
0XHVWUDHOLQGLFDGRU,17\HO
1.801,57
LQWHUpVSDJDGRHQHOSDJR
0XHVWUDHOLQGLFDGRU%$/\HO
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* *Z *b
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,QWURGX]FDODWDVDQRPLQDO\SXOVH *
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,QWURGX]FDODWDVDHIHFWLYD\SXOVH *Z
3DUDFDOFXODUXQDWDVDQRPLQDOHQEDVHDXQDWDVDHIHFWLYD
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,QWURGX]FDHOQ~PHURGHSHULRGRVGHFDSLWDOL]DFLyQ\SXOVH
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EDQFR
7HUFHUEDQFR GHLQWHUpVDQXDOFDSLWDOL]DFLyQYHFHVSRUDxR
Primer banco
*
Teclas: Pantalla:
6,70
Descripción:
$OPDFHQDODWDVD
*b 4,00
QRPLQDO
$OPDFHQDHOSHULRGRGH
FDSLWDOL]DFLyQ
*Z 6,87
WULPHVWUDO
&DOFXODODWDVDHIHFWLYD
DQXDO
*
Segundo banco
6,65 $OPDFHQDODWDVD
*b 12,00
QRPLQDO
$OPDFHQDHOSHULRGRGH
FDSLWDOL]DFLyQ
*Z 6,86
PHQVXDO
&DOFXODODWDVDHIHFWLYD
DQXDO
*
Tercer banco
6,63 $OPDFHQDODWDVD
*b 360,00
QRPLQDO
$OPDFHQDHOSHULRGRGH
*Z 6,85
FDSLWDOL]DFLyQ
&DOFXODODWDVDHIHFWLYD
DQXDO
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PD\RUTXH\
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* *b
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,QWURGX]FDHOQ~PHURGHSHULRGRVGHSDJRSRUDxR\SXOVH
3DUDFDOFXODUODWDVDQRPLQDODMXVWDGDSXOVH
Ejemplo: Pagos mensuales, capitalización diaria. 9DDGHSRVLWDUD
SDUWLUGHKR\PHQVXDOPHQWHHQXQDFXHQWDTXHGHYHQJDXQLQWHUpV
GHOFRQFDSLWDOL]DFLyQGLDULDEDVDGDHQXQFDOHQGDULRGHGtDV
¢&XiOVHUiHOVDOGRGHODFXHQWDGHVSXpVGHVLHWHDxRV"
Paso 1. &DOFXOHODWDVDHTXLYDOHQWHEDVDGDHQODFDSLWDOL]DFLyQPHQVXDO
*
Teclas: Pantalla:
5,00
Descripción:
$OPDFHQDODWDVDGHLQWHUpV
*b 365,00
QRPLQDO
$OPDFHQDHOQ~PHURGH
SHULRGRVGHFDSLWDOL]DFLyQSRU
*Z
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12,00 $OPDFHQDHOQ~PHURGH
* 5,01
SHULRGRVPHQVXDOHV
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Paso 2. &DOFXOHHOYDORUIXWXUR
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SXOVH
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/ 2.519,61
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11.765,29
Los flujos de caja recibidos
son valores positivos
1 2 3
-5.000,00
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CF 3 = 1 0 . 0 0 0, N 3 = 1
CF 2 = 1 . 0 0 0, N 2 = 3
CF 1 = 0, N 1 = 6
1 2 3 4 5 6 7 8 9 10
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n !,SDUDDOPDFHQDUHOLPSRUWHHQHOIOXMRGHFDMDDQWHULRU
n !,,SDUDDOPDFHQDUHOLPSRUWHHQHOIOXMRGHFDMDDFWXDO
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UHSHWLFLRQHV\SXOVH*C
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*&SDUDYROYHUDHPSH]DU
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$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
0,00 %RUUDORVUHJLVWURV
12,00 (VSHFLILFDHOQ~PHUR
,
GHSDJRVSRUDxR
0,00 ,QWURGXFHXQIOXMRGH
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FHUR(OQ~PHURGHO
IOXMRGHFDMDVHPXHVWUD
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,
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,
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,
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,
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7.500,00 ,QWURGXFHHOVH[WRIOXMR
,
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9,00 ,QWURGXFHHOQ~PHURGH
,
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10.000,00 ,QWURGXFHHOVLJXLHQWH
IOXMRGHFDMD
GHVFULEHQHOSODQGHLQYHUVLyQ3XHGHSXOVDU
\
,
/OHJDGRHVWHSXQWRODFDOFXODGRUDFRQWLHQHORVIOXMRVGHFDMDTXH
,
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UHSHWLGDPHQWHSDUDYHUORVIOXMRVGHFDMD\HO
Q~PHURGHUHSHWLFLRQHVGHFDGDXQRGHHOORV
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.
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15,00 $OPDFHQDODWDVDGH
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27.199,92 &DOFXODHOYDORU
SUHVHQWHQHWRGHORV
IOXMRVGHFDMD
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GHODSiJLQD
(VWHUHVXOWDGRPXHVWUDTXHSDUDREWHQHUXQUHQGLPLHQWRDQXDOGHO
GHEHSDJDUSRUHOFRQWUDWR2EVHUYHTXHHVWDFDQWLGDGHV
SRVLWLYD(OYDORUSUHVHQWHQHWRFRQVLVWHVLPSOHPHQWHHQODVXPDGHORV
YDORUHVDFWXDOHVRQHWRVGHXQDVHULHGHIOXMRVGHFDMDFXDQGRVH
GHVFXHQWDQDOSULQFLSLRGHODOtQHDWHPSRUDO
NPV = 27.199,92
7.330,34
4.471,10 7.500,00
5.000,00
4.757,62
1 3 5 7 9 11 13 15 17 19 21 23 25
(QHOVLJXLHQWHHMHPSORVHXWLOL]DQORVIOXMRVGHFDMDGHOHMHPSORDQWHULRU
7.500
5.000
5.000
1 3 5 7 9 11 13 15 17 19 21 23 25
IRR/YR = ?
-28.000
(*!
Teclas: Pantalla: Descripción:
, –28.000,00 0RGLILFDHOIOXMRGH
*9
FDMDLQLFLDO
12,49 &DOFXODHOUHQGLPLHQWR
QRPLQDODQXDO
(QHOFDStWXOR(MHPSORVDGLFLRQDOHVHQFRQWUDUiPiVHMHPSORVGHO
XVRGH931139\7,5$f2,55<5
3DUDUHFXSHUDUHOUHVXOWDGRSXOVH
DOPDFHQDUiHQODYDULDEOH9339SDUDIDFLOLWDUORVFiOFXORVVLJXLHQWHV
6LQRKDPRGLILFDGRORVYDORUHV
SXOVH
GH9'7GHO~OWLPRHMHPSORPHGLDQWH931139SiJLQD FXDQGR
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DQXDO
.
$OFDOFXODU7,5$f2,55<5VHDOPDFHQDUiHOUHVXOWDGRHQ,$f2
SDUDPRVWUDUHOUHQGLPLHQWR
Cálculos estadísticos
/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 (VWDGtVWLFDVGHVXPDQΣ[Σ[Σ\Σ\\Σ[\
7: Cálculos estadísticos 93
10B.book Page 94 Sunday, June 25, 2000 1:26 PM
$OFDOFXODUXQDPHGLDSRQGHUDGDLQWURGX]FDFDGDGDWRFRPRYDORU[\HO
SHVRFRUUHVSRQGLHQWHFRPRYDORU\
Si la acumulación de datos estadísticos hace que el valor de un registro supere ±9,99999999999 × 10499, la
calculadora HP 10BII mostrará una advertencia de desbordamiento temporal (OFLO).
94 7: Cálculos estadísticos
10B.book Page 95 Sunday, June 25, 2000 1:26 PM
7: Cálculos estadísticos 95
10B.book Page 96 Sunday, June 25, 2000 1:26 PM
Teclas: Descripción:
Pulse *i
para
mostrar la
*$ 0HGLDDULWPpWLFD 0HGLDSURPHGLRGHORV
SURPHGLRGHORV YDORUHV\VLVHKDQ
YDORUHV[ LQWURGXFLGRYDORUHVGH
\
*E 0HGLDSRQGHUDGDGHORV
YDORUHV[SHVRV
DVLJQDGRVSRUORV
YDORUHV\
*: 'HVYLDFLyQHVWiQGDUGH 'HVYLDFLyQHVWiQGDUGH
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ODSREODFLyQGHORV ODSREODFLyQGHORV
YDORUHV[
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LQWURGXFLGRYDORUHV\
Valor \ *3 (VWLPDFLyQGH[SDUDXQ &RHILFLHQWHGH
YDORU\GHWHUPLQDGR FRUUHODFLyQ
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YDORU[GHWHUPLQDGR FDOFXODGD
*4 ,QWHUVHFFLyQFRQHOHMH\ 3HQGLHQWHPGHODOtQHD
EGHODOtQHDFDOFXODGD FDOFXODGD
/DGHVYLDFLyQHVWiQGDUGHXQDPXHVWUDSUHVXSRQHTXHORVGDWRVUHSUHVHQWDQXQDPXHVWUDGHXQFRQMXQWR
PD\RUGHGDWRV/DGHVYLDFLyQHVWiQGDUGHODSREODFLyQSUHVXSRQHTXHORVGDWRVIRUPDQODSREODFLyQ
FRPSOHWD
(OFRHILFLHQWHGHFRUUHODFLyQHVXQQ~PHURSHUWHQHFLHQWHDOLQWHU YDOR²TXHH[SUHVDODSUR[LPLGDGGHORV
GDWRVFRQODOtQHDFDOFXODGD(OYDORUOLQGLFDXQDFRUUHODFLyQSRVLWLYDSHUIHFWDPLHQWUDVTXH²LQGLFDXQD
FRUUHODFLyQQHJDWLYDSHUIHFWD8QYDORUSUy[LPRDFHURLQGLFDTXHHODMXVWHFRQODOtQHDHVLQVXILFLHQWH
96 7: Cálculos estadísticos
10B.book Page 97 Sunday, June 25, 2000 1:26 PM
Teclas: Descripción:
)+ 1~PHURGHGDWRVLQWURGXFLGRV
); 6XPDGHORVYDORUHV[
)= 6XPDGHORVYDORUHV\
)\ 6XPDGHORVFXDGUDGRVGHORVYDORUHV[
)g 6XPDGHORVFXDGUDGRVGHORVYDORUHV\
)f 6XPDGHORVSURGXFWRVGHORVYDORUHV[H\
7: Cálculos estadísticos 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\
Teclas: Pantalla: Descripción:
*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: Cálculos estadísticos
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: Cálculos estadísticos 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: Pronóstico. /DIORULVWHUtD´(O1DUFLVRµVHDQXQFLDDWUDYpVGH
ODHPLVRUDGHUDGLRORFDO'XUDQWHODV~OWLPDVVHLVVHPDQDVHOJHUHQWHKD
UHJLVWUDGRHOQ~PHURGHPLQXWRVGHSXEOLFLGDGFRPSUDGRV\ODVYHQWDV
VHPDQDOHV
&DOFXOHODLQWHUVHFFLyQFRQHOHMH\ODSHQGLHQWH\HOFRHILFLHQWHGH
FRUUHODFLyQ
3.000,00 (pronóstico)
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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Media ponderada
(OVLJXLHQWHSURFHGLPLHQWRSHUPLWHFDOFXODUODPHGLDSRQGHUDGDGHXQD
VHULHGHGDWRV[[«[QFRQSHVRV\\«\Q
0 A
8WLOLFH \ SDUDLQWURGXFLUSDUHV[\/RVYDORUHVGH\VRQORV
SHVRVDVLJQDGRVDORVYDORUHV[
3XOVH *E
Ejemplo. 6HKDUHDOL]DGRXQHVWXGLRGHDSDUWDPHQWRVGHDOTXLOHUGH
XQDVRODKDELWDFLyQ\VHKDQFRQWDELOL]DGRGHGHDOTXLOHU
PHQVXDOGHGH\GH&DOFXOHODPHGLDGHO
DOTXLOHUPHQVXDO
Ejemplos adicionales
Aplicaciones comerciales
/DVLJXLHQWHHFXDFLyQFDOFXODHOSUHFLRXQLWDULRHQEDVHDOFRVWHWRWDO\OD
WDVDLQWHUQDGHUHWRUQR
35(&,2 FRVWH727$/÷1'(81,'$'(6ï5'72÷
Ejemplo. (OFRVWHGHSURGXFFLyQGHXQLGDGHVHVGH6L
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FREUDUSRUXQLGDG"&DOFXOHHOSUHFLRXQLWDULR
d
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"
40.000,00 ,QWURGXFHHOFRVWH
20,00 &DOFXODHOFRVWHSRU
*
*
d
XQLGDG
*j
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0,00 %RUUDORVUHJLVWURV
0A
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1,00 ,QWURGXFHHOSULPHU
DxR\ODVYHQWDV
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0A
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0A
4,00
*4
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22.000,50 (VWLPDFLyQGHYHQWDV
*4
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24.605,00 (VWLPDFLyQGHYHQWDV
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DSURYHFKDUHVWHWLSRGHGHVFXHQWR(OFRVWHVHFDOFXODHQIRUPDGHWDVDGH
LQWHUpVDQXDOTXHVHFREUDSRUDSOD]DUHOSDJR
'72 × ×
&267( = --------------------------------------------------------------------------------------------------------------------------
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GHVFXHQWR
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FRQGLFLRQHV1(72¢&XiOHVHOFRVWHGHULYDGRGHQR
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*
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FRVWHGHQRDSURYHFKDU
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Préstamos e hipotecas
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XQFDOHQGDULRGHGtDV
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------------------------------------------------------------------------------------------------------------------------------------------------------
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"d
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7,40 &DOFXODHOLQWHUpV
a
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457,40 &DOFXODODFDQWLGDGWRWDO
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/DVLJXLHQWHHFXDFLyQSHUPLWHFDOFXODUXQDWDVDHIHFWLYDGHLQWHUpVFRQ
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( 120 ÷ )
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8WLOLFHODHFXDFLyQDQWHULRUSDUDFDOFXODUODWDVDHIHFWLYDDQXDO
3XHGHXWLOL]DUHVWDWDVDHIHFWLYDHQORVFiOFXORVFRQXQSHULRGRDQXDO
3$f23<5 RFRQYHUWLUODSDUDTXHVHDSOLTXHDVXSHULRGR
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TXHGHYHQJDHOGHLQWHUpVDQXDOFRQFDSLWDOL]DFLyQFRQWLQXD$OILQDO
GHFDGDPHVLQJUHVDHQODFXHQWD¢&XiOVHUiHOVDOGRGHODFXHQWD
GHVSXpVGHDxRV"
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0,18 'LYLGHODWDVDQRPLQDO
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"
19,72 &DOFXODODWDVDHIHFWLYD
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HVXQYDORUQHJDWLYRHOGLQHURUHFLELGRHVXQYDORUSRVLWLYR
Ejemplo. 8QLQYHUVRUGHVHDFRPSUDUXQDKLSRWHFDFRQXQYDORURULJLQDO
GHXQSOD]RGHDxRV\XQLQWHUpVGHO'HVGHHOPRPHQWR
HQTXHVHHPLWLyODKLSRWHFDVHKDQUHDOL]DGRSDJRVPHQVXDOHV6H
GHEHOLTXLGDUHOSUpVWDPRPHGLDQWHXQSDJRILQDODOILQDOGHOTXLQWRDxR
¢4XpUHQGLPLHQWRREWHQGUiHOFRPSUDGRUVLSDJDSRUOD
KLSRWHFD"
Paso 1.&DOFXOHHOYDORUGH3$*2307$VHJ~UHVHGHTXH9))9
*O
$FWLYHHOPRGR)LQ6LVHPXHVWUDHQSDQWDOODHOLQGLFDGRUBEGIN SXOVH
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12,00 (VSHFLILFDHOQ~PHUR
.
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*U
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240,00 $OPDFHQDHOQ~PHUR
(
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/
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PHQVXDO
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)9HVGHFLUODFDQWLGDGGHOSDJRILQDO
*L2
Teclas: Pantalla: Descripción:
899,73 5HGRQGHDHOSDJRD
XQDSUHFLVLyQGHGRV
*U
SRVLFLRQHVGHFLPDOHV
60,00 $OPDFHQDHOQ~PHUR
GHSDJRVWUDQVFXUULGRV
/
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HVWDVXPDVHDxDGHDO
~OWLPRSDJR
PP
Teclas: Pantalla: Descripción:
18,00 $OPDFHQDHOQ~PHUR
(
GHSDJRVUHVWDQWHV
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.
FRPSUDGHODKLSRWHFD
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HVXQYDORUQHJDWLYRHOGLQHURUHFLELGRHVXQYDORUSRVLWLYR
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Teclas: Pantalla: Descripción:
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OtPLWHVGHWHPSHUDWXUD\KXPHGDG
n 7HPSHUDWXUDGHIXQFLRQDPLHQWRD&D)
n 7HPSHUDWXUDGHDOPDFHQDPLHQWR²D&²D)
n +XPHGDGGHIXQFLRQDPLHQWR\DOPDFHQDPLHQWRGHKXPHGDG
UHODWLYDDXQDWHPSHUDWXUDPi[LPDGH&)
Declaración de ruido. (QODSRVLFLyQGHORSHUDGRU\HQFRQGLFLRQHV
QRUPDOHVGHIXQFLRQDPLHQWR,62/S$G%
Carga y baterías
/DFDOFXODGRUDUHFLEHODDOLPHQWDFLyQGHGRVEDWHUtDVGHFpOXODGHWLSR
ERWyQGHOLWLRTXHSURGXFHQXQDWHQVLyQGHYROWLRV
$OFDPELDUODVEDWHUtDVXWLOLFH~QLFDPHQWHEDWHUtDVGHFpOXODGHWLSRERWyQ
QXHYDV'HEHFDPELDUODVGRVEDWHUtDVVLPXOWiQHDPHQWH
1RXWLOLFHEDWHUtDVUHFDUJDEOHV
6LDSDUHFHHOLQGLFDGRUGHFDUJDEDMD\ODSDQWDOODVHDWHQ~DSRGUtDSHUGHU
GDWRV6LVHSURGXFHXQDSpUGLGDGHGDWRVGHELGDDODFDUJDEDMDYHUiHO
PHQVDMHAll Clear
Especificaciones de la batería
/DFDOFXODGRUD+3UHTXLHUHWUHVEDWHUtDVGHOLWLR&5
5HWLUHODVGRVEDWHUtDV
,QVHUWHODVQXHYDVEDWHUtDVDVHJXUiQGRVHGHTXHHOVLJQRGHFDGD
EDWHUtDHVWiRULHQWDGRKDFLDIXHUD
9XHOYDDFRORFDUODWDSDGHOFRPSDUWLPHQWRSDUDEDWHUtDV
3XOVH 1
6LODFDOFXODGRUDQRVHHQFLHQGHVLJDORVSURFHGLPLHQWRVGHODVLJXLHQWH
VHFFLyQ
1
Borrado de la memoria de la calculadora
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P
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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\
UHSDVHODVHHFLyQ´5HVSXHVWDVDODVSUHJXQWDVPiVIUHFXHQWHVµ
HQODSiJLQD
3yQJDVHHQFRQWDFWRFRQHOGHSDUWDPHQWRGHVHUYLFLRWpFQLFR
GHFDOFXODGRUDV(QFRQWUDUiODGLUHFFLyQ\HOQ~PHURGHWHOHIyQR
HQODFRQWUDSRUWDGDGHOPDQXDO
Cobertura de la garantía
/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
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UHSDUDFLyQRPRGLILFDFLyQUHDOL]DGDSRUSHUVRQDOQRDXWRUL]DGRSRUHO
VHUYLFLRWpFQLFRGH+HZOHWW3DFNDUG
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VXVWLWXFLyQGHOSURGXFWRHVHO~QLFRUHPHGLRTXHVHRIUHFHDOFOLHQWH
&XDOTXLHURWUDJDUDQWtDLPSOtFLWDGHFRPHUFLDELOLGDGRLGRQHLGDG
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DOJXQRVHVWDGRVSURYLQFLDVRSDtVHVQRVHDGPLWHQOLPLWDFLRQHVHQFXDQWR
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OLPLWDFLyQDQWHULRUQRVHDSOLTXHHQVXFDVR+HZOHWW3DFNDUGQR
DVXPHUHVSRQVDELOLGDGDOJXQDSRUGDxRVLQGLUHFWRV(QFLHUWRV
HVWDGRVSURYLQFLDV\SDtVHVWDPSRFRVHSHUPLWHODH[FOXVLyQROLPLWDFLyQ
GHGDxRVGHULYDGRVRLQGLUHFWRVGHPRGRTXHHVSRVLEOHTXHODOLPLWDFLyQ
DQWHULRUQRVHDSOLTXHHQVXFDVR
/RVSURGXFWRVVHYHQGHQHQEDVHDHVSHFLILFDFLRQHVDSOLFDEOHVHQHO
PRPHQWRGHODIDEULFDFLyQ+HZOHWW3DFNDUGQRWHQGUiREOLJDFLyQDOJXQD
GHPRGLILFDURDFWXDOL]DUORVSURGXFWRVXQDYH]YHQGLGRV
Servicio técnico
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PXFKRVSDtVHV(VWRVFHQWURVSURSRUFLRQDQVHUYLFLRVGHUHSDUDFLyQROD
VXVWLWXFLyQGHXQDFDOFXODGRUDSRUHOPLVPRPRGHORRXQPRGHOR
VXSHULRULQGHSHQGLHQWHPHQWHGHVLODFDOFXODGRUDHVWiFXELHUWDSRUOD
JDUDQWtDRQR/DVUHSDUDFLRQHVHIHFWXDGDVGHVSXpVGHOSHULRGRGHOD
JDUDQWtDVHIDFWXUDUiQDOFOLHQWH3RUORJHQHUDOODVFDOFXODGRUDVVHUHSDUDQ
\VHGHYXHOYHQDOSURSLHWDULRHQORVSULPHURVFLQFRGtDVSRVWHULRUHVDOD
UHFHSFLyQ
Gastos de reparación
/DVUHSDUDFLRQHVUHDOL]DGDVIXHUDGHODJDUDQWtDHVWiQVXMHWDVDXQDWDULID
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FRQWUDSRUWDGDOHLQIRUPDUiQGHOLPSRUWHFRUUHVSRQGLHQWH/RVJDVWRV
WRWDOHVHVWiQVXMHWRVDORVLPSXHVWRVORFDOHVVREUHYHQWDVRHQVXFDVRD
ORVLPSXHVWRVGHYDORUDxDGLGR
/RVSURGXFWRVGDxDGRVSRUDFFLGHQWHRXVRLQGHELGRQRHVWiQFXELHUWRV
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GHWHUPLQDQGHIRUPDLQGLYLGXDOEDViQGRVHHQODVKRUDVGHPDQRGHREUD
\HQORVPDWHULDOHVHPSOHDGRV
Instrucciones de envío
6LVXFDOFXODGRUDUHTXLHUHUHSDUDFLyQHQYtHODDOFHQWURGHVHUYLFLRWpFQLFR
+HZOHWW3DFNDUGPiVFHUFDQRDVXORFDOLGDGRDOSXQWRGHUHFRJLGD
GHVLJQDGR
n ,QFOX\DVXGLUHFFLyQ\XQDGHVFULSFLyQGHOSUREOHPD
n ,QFOX\DHOUHFLERGHFRPSUDFRQODIHFKDHQFDVRGHTXHODJDUDQWtD
VLJDYLJHQWH
n ,QFOX\DXQDRUGHQGHFRPSUDXQFKHTXHRXQQ~PHURGHWDUMHWDGH
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ZZZKSFRPFDOFXODWRUV
n (QYXHOYDODFDOFXODGRUDFRQPDWHULDOHVSURWHFWRUHVDGHFXDGRVSDUD
HYLWDUGDxRV\HQYtHOD(VWRVGDxRVQRHVWiQFXELHUWRVSRUOD
JDUDQWtDSRUORFXDOUHFRPHQGDPRVTXHDVHJXUHHOSDTXHWH
n 3DJXHORVJDVWRVGHHQYtRDOFHQWURGHVHUYLFLRWpFQLFRGH&RUYDOOLV
LQGHSHQGLHQWHPHQWHGHVLODFDOFXODGRUDHVWiRQRHQJDUDQWtD
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PHGLGDV
n 5HRULHQWHODDQWHQDUHFHSWRUD
n &DPELHODXELFDFLyQGHODFDOFXODGRUDFRQUHVSHFWRDOUHFHSWRU
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Canadá (VWHDSDUDWRGLJLWDOGH&ODVH%FXPSOHORVUHTXLVLWRVGHOD
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PXHVWUDXQPHQVDMHSDUDD\XGDUOHDLQWHUSUHWDUORRFXUULGR
n Caso 2./DFDOFXODGRUDKDOODXQDUHVSXHVWDQHJDWLYDSHURWDPELpQ
R %
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FiOFXOR
n &XDQGRDSDUH]FDHQSDQWDOODODHVWLPDFLyQDFWXDOSXOVH *!*9
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n $OPDFHQHXQDHVWLPDFLyQGH7,5$f2WDOFRPRVHGHVFULEHD
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VLJXLHQWHVPRPHQWRV
n $QWHVGHLQLFLDUHOFiOFXOR8QDHVWLPDFLyQPiVRPHQRVH[DFWD
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VROXFLyQQHJDWLYDQRGHVHDGD
n 'HVSXpVGHLQWHUUXPSLUHOFiOFXOR
n &XDQGRODFDOFXODGRUDLQWHUUXPSDHOFiOFXORSRUDOJXQDGHODVFDXVDV
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Intervalo de números
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Ecuaciones
I/YR
L =
P/YR
– L –N
L × S
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Amortización
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Estadísticas
∑[ ∑y ∑ [\
[ = ------- y = ------- [ Z = ----------
Q Q ∑\
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Sy = ------------------------------
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Q Q
σx = ------------------------------- σy = ------------------------------
Q Q
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∑ xy – ---------------
n
r = ----------------------------------------------------------------------------
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n n
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n
m = -------------------------------2-
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n
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b = y – mx x̂ = ----------- ŷ = mx + b
m
Mensajes
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All Clear
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C: Mensajes 147
10B.book Page 148 Sunday, June 25, 2000 1:26 PM
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148 C: Mensajes
10B.book Page 149 Sunday, June 25, 2000 1:26 PM
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