CONVERSIÓN DE TASAS PASIVAS A TASAS EFECTIVAS ANUALES

1 Convertir las siguientes TNA a TEA

TNA Frecuencia de capitalización N° de periodos en el año Tasa del perido
18% Diaria 360 0.05%
24% Semanal 51.4285714285714 0.47%
30% Quincenal 24 1.25%
36% Mensual 12 3.00%
48% Trimestral 4 12.00%
60% Semestral 2 30.00%

CONVERSIÓN DE TASAS EFECTIVAS ANUALES A TASAS NOMINALES ANUALES

2 Convertir las siguientes TEA a TNA
TEA Frecuencia de capitalización N° de periodos en el año Tasa del perido
20% Diaria 360 0.05%
25% Cada 5 dias 72 0.31%
30% Cada 10 dias 36 0.73%
35% Mensual 12 2.53%
42% Trimestral 4 9.16%
50% Cuatrimestral 3 14.47%
60% Semestral 2 26.49%

3 Una pareja compra una vivienda cuyo precio es de 150,000 US$, para lo cual debe dar una inicial de 20%
Por el saldo una IFI le otorga un crédito en soles al TC DE 3.31 para ser pagado mensualmente durante
20 años, incluye una de TEA de 12.68%
Calcular el pago y realizar el cronograma respectivo.
A 397200
n 240
TEA 12.68%
im 0.9998%
R 4372.89 4372.89

N° de pago Pago Deuda Interes

1 4372.89 397200 3971.2573905982
2 4372.89 396798.36 3967.2417866927
3 4372.89 396392.71 3963.1860342558
4 4372.89 395983.01 3959.0897318771
5 4372.89 395569.20 3954.9524741332
6 4372.89 395151.26 3950.7738515469
7 4372.89 394729.14 3946.5534505471
8 4372.89 394302.80 3942.2908534278
9 4372.89 393872.20 3937.9856383068
10 4372.89 393437.30 3933.6373790836
11 4372.89 392998.04 3929.2456453977
12 4372.89 392554.39 3924.8100025858
13 4372.89 392106.31 3920.3300116387
14 4372.89 391653.75 3915.805229158
15 4372.89 391196.66 3911.235207312
16 4372.89 390735.00 3906.6194937918
17 4372.89 390268.73 3901.9576317659
18 4372.89 389797.79 3897.2491598357
19 4372.89 389322.15 3892.4936119891
20 4372.89 388841.75 3887.6905175551
21 4372.89 388356.55 3882.8394011567
22 4372.89 387866.49 3877.939782664
23 4372.89 387371.54 3872.9911771468
24 4372.89 386871.64 3867.9930948263
25 4372.89 386366.74 3862.9450410271
26 4372.89 385856.79 3857.8465161278
27 4372.89 385341.75 3852.6970155118
28 4372.89 384821.55 3847.4960295172
29 4372.89 384296.15 3842.2430433865
30 4372.89 383765.50 3836.9375372155
31 4372.89 383229.55 3831.578985902
32 4372.89 382688.23 3826.1668590937
33 4372.89 382141.51 3820.700621136
34 4372.89 381589.32 3815.1797310184
35 4372.89 381031.60 3809.6036423216
36 4372.89 380468.31 3803.9718031629
37 4372.89 379899.39 3798.283656142
38 4372.89 379324.78 3792.5386382855
39 4372.89 378744.43 3786.7361809914
40 4372.89 378158.27 3780.8757099726
41 4372.89 377566.25 3774.9566452005
42 4372.89 376968.32 3768.978400847
43 4372.89 376364.40 3762.940385227
44 4372.89 375754.45 3756.8420007395
45 4372.89 375138.40 3750.6826438087
46 4372.89 374516.19 3744.4617048242
47 4372.89 373887.76 3738.1785680806
48 4372.89 373253.04 3731.8326117166
49 4372.89 372611.98 3725.4232076535
50 4372.89 371964.52 3718.9497215327
51 4372.89 371310.57 3712.4115126537
52 4372.89 370650.09 3705.8079339098
53 4372.89 369983.01 3699.1383317246
54 4372.89 369309.25 3692.4020459871
55 4372.89 368628.76 3685.5984099864
56 4372.89 367941.47 3678.7267503459
57 4372.89 367247.30 3671.7863869563
 58 4372.89 366546.19 3664.7766329086
59 4372.89 365838.08 3657.6967944259
60 4372.89 365122.88 3650.5461707949
61 4372.89 364400.53 3643.3240542966
62 4372.89 363670.97 3636.0297301357
63 4372.89 362934.10 3628.6624763708
64 4372.89 362189.87 3621.2215638422
65 4372.89 361438.20 3613.7062560999
66 4372.89 360679.01 3606.1158093309
67 4372.89 359912.24 3598.4494722853
68 4372.89 359137.79 3590.7064862024
69 4372.89 358355.61 3582.886084735
70 4372.89 357565.60 3574.987493874
71 4372.89 356767.69 3567.0099318717
72 4372.89 355961.81 3558.9526091644
73 4372.89 355147.87 3550.814728294
74 4372.89 354325.79 3542.5954838296
75 4372.89 353495.50 3534.2940622873
76 4372.89 352656.90 3525.90964205
77 4372.89 351809.91 3517.441393286
78 4372.89 350954.46 3508.8884778667
79 4372.89 350090.46 3500.2500492837
80 4372.89 349217.82 3491.5252525655
81 4372.89 348336.45 3482.713224192
82 4372.89 347446.27 3473.8130920099
83 4372.89 346547.19 3464.8239751457
84 4372.89 345639.12 3455.7449839191
85 4372.89 344721.97 3446.5752197543
86 4372.89 343795.65 3437.3137750918
87 4372.89 342860.07 3427.959733298
88 4372.89 341915.14 3418.5121685746
89 4372.89 340960.76 3408.9701458673
90 4372.89 339996.84 3399.3327207728
91 4372.89 339023.28 3389.5989394456
92 4372.89 338039.98 3379.7678385034
93 4372.89 337046.86 3369.8384449322
94 4372.89 336043.80 3359.8097759894
95 4372.89 335030.72 3349.6808391069
96 4372.89 334007.51 3339.4506317927
97 4372.89 332974.07 3329.1181415318
98 4372.89 331930.29 3318.6823456861
99 4372.89 330876.08 3308.1422113928
100 4372.89 329811.33 3297.4966954625
101 4372.89 328735.94 3286.7447442759
102 4372.89 327649.79 3275.8852936794
103 4372.89 326552.78 3264.9172688799
104 4372.89 325444.80 3253.8395843383
105 4372.89 324325.75 3242.6511436623
106 4372.89 323195.51 3231.3508394975
107 4372.89 322053.97 3219.9375534182
108 4372.89 320901.01 3208.4101558166
109 4372.89 319736.53 3196.7675057907
110 4372.89 318560.40 3185.0084510317
111 4372.89 317372.52 3173.1318277101
112 4372.89 316172.76 3161.1364603598
113 4372.89 314961.00 3149.0211617628
114 4372.89 313737.13 3136.7847328306
115 4372.89 312501.02 3124.4259624865
116 4372.89 311252.55 3111.9436275451
117 4372.89 309991.61 3099.3364925913
118 4372.89 308718.05 3086.6033098584
119 4372.89 307431.76 3073.7428191043
120 4372.89 306132.61 3060.7537474868
121 4372.89 304820.47 3047.6348094376
122 4372.89 303495.21 3034.3847065352
123 4372.89 302156.70 3021.0021273763
124 4372.89 300804.81 3007.4857474461
125 4372.89 299439.41 2993.8342289869
126 4372.89 298060.35 2980.0462208662
127 4372.89 296667.50 2966.1203584424
128 4372.89 295260.73 2952.0552634304
129 4372.89 293839.89 2937.8495437645
130 4372.89 292404.85 2923.5017934611
131 4372.89 290955.46 2909.0105924794
132 4372.89 289491.57 2894.3745065808
133 4372.89 288013.06 2879.5920871869
134 4372.89 286519.76 2864.6618712365
135 4372.89 285011.52 2849.5823810403
136 4372.89 283488.21 2834.3521241349
137 4372.89 281949.67 2818.9695931351
138 4372.89 280395.75 2803.4332655847
139 4372.89 278826.29 2787.7416038056
140 4372.89 277241.14 2771.893054746
141 4372.89 275640.14 2755.8860498265
142 4372.89 274023.13 2739.7190047846
143 4372.89 272389.96 2723.3903195184
144 4372.89 270740.46 2706.8983779279
145 4372.89 269074.46 2690.2415477549
146 4372.89 267391.81 2673.418180422
147 4372.89 265692.34 2656.4266108689
148 4372.89 263975.87 2639.2651573879
149 4372.89 262242.24 2621.9321214573
150 4372.89 260491.28 2604.4257875735
151 4372.89 258722.81 2586.7444230808
152 4372.89 256936.66 2568.8862780005
153 4372.89 255132.66 2550.8495848572
154 4372.89 253310.62 2532.632558504
155 4372.89 251470.35 2514.233395946
156 4372.89 249611.70 2495.6502761618
157 4372.89 247734.45 2476.8813599229
158 4372.89 245838.44 2457.9247896121
159 4372.89 243923.47 2438.7786890397
160 4372.89 241989.36 2419.4411632573
161 4372.89 240035.91 2399.9102983707
162 4372.89 238062.92 2380.1841613504
163 4372.89 236070.22 2360.2607998401
164 4372.89 234057.58 2340.1382419636
165 4372.89 232024.83 2319.8144961297
166 4372.89 229971.75 2299.2875508349
167 4372.89 227898.15 2278.5553744646
168 4372.89 225803.81 2257.6159150917
169 4372.89 223688.53 2236.4671002737
170 4372.89 221552.11 2215.1068368476
171 4372.89 219394.32 2193.5330107226
172 4372.89 217214.96 2171.743486671
173 4372.89 215013.81 2149.7361081168
174 4372.89 212790.65 2127.5086969223
175 4372.89 210545.27 2105.0590531725
176 4372.89 208277.44 2082.3849549572
177 4372.89 205986.93 2059.4841581516
178 4372.89 203673.52 2036.3543961935
179 4372.89 201336.98 2012.9933798594
180 4372.89 198977.08 1989.398797038
181 4372.89 196593.59 1965.5683125011
182 4372.89 194186.26 1941.4995676725
183 4372.89 191754.87 1917.1901803949
184 4372.89 189299.17 1892.6377446935
185 4372.89 186818.91 1867.8398305387
186 4372.89 184313.86 1842.7939836047
187 4372.89 181783.76 1817.4977250274
188 4372.89 179228.36 1791.9485511585
189 4372.89 176647.42 1766.1439333179
190 4372.89 174040.67 1740.0813175434
191 4372.89 171407.86 1713.7581243382
192 4372.89 168748.72 1687.1717484151
193 4372.89 166063.00 1660.3195584389
194 4372.89 163350.43 1633.1988967661
195 4372.89 160610.74 1605.8070791816
196 4372.89 157843.65 1578.1413946333
197 4372.89 155048.90 1550.1991049636
198 4372.89 152226.20 1521.9774446384
199 4372.89 149375.29 1493.4736204735
200 4372.89 146495.87 1464.684811358
201 4372.89 143587.66 1435.6081679752
202 4372.89 140650.38 1406.2408125206
203 4372.89 137683.73 1376.579838417
204 4372.89 134687.41 1346.6223100268
205 4372.89 131661.14 1316.3652623616
206 4372.89 128604.61 1285.8057007887
207 4372.89 125517.53 1254.9406007345
208 4372.89 122399.57 1223.7669073855
209 4372.89 119250.45 1192.2815353857
210 4372.89 116069.84 1160.4813685313
211 4372.89 112857.43 1128.3632594622
212 4372.89 109612.90 1095.9240293509
213 4372.89 106335.93 1063.1604675872
214 4372.89 103026.20 1030.0693314609
215 4372.89 99683.37 996.6473458409
216 4372.89 96307.13 962.89120285083
217 4372.89 92897.12 928.7975615417
218 4372.89 89453.03 894.36304756132
219 4372.89 85974.50 859.58425282028
220 4372.89 82461.19 824.45773515463
221 4372.89 78912.76 788.98001798525
222 4372.89 75328.84 753.14758997369
223 4372.89 71709.10 716.95690467471
224 4372.89 68053.16 680.40438018524
225 4372.89 64360.67 643.48639878986
226 4372.89 60631.27 606.19930660279
227 4372.89 56864.57 568.5394132062
228 4372.89 53060.22 530.50299128498
229 4372.89 49217.83 492.08627625786
230 4372.89 45337.02 453.28546590477
231 4372.89 41417.42 414.09671999056
232 4372.89 37458.62 374.51615988491
233 4372.89 33460.24 334.53986817845
234 4372.89 29421.89 294.16388829502
235 4372.89 25343.16 253.38422410013
236 4372.89 21223.65 212.1968395054
237 4372.89 17062.96 170.59765806909
238 4372.89 12860.66 128.5825625927
239 4372.89 8616.35 86.147394713415
240 4372.89 4329.60 43.287954492589
 Tasa efectiva anual
19.72%
27.05%
34.74%
42.58%
57.35%
69.00%

MINALES ANUALES
Tasa nominal anual
18.24%
22.35%
26.33%
30.39%
36.65%
43.41%
52.98%

e dar una inicial de 20%

ensualmente durante

Amortizacion Saldo
401.64 396798.36
405.65 396392.71
409.71 395983.01
413.80 395569.20
417.94 395151.26
422.12 394729.14
426.34 394302.80
430.60 393872.20
434.91 393437.30
439.26 392998.04
443.65 392554.39
448.08 392106.31
452.56 391653.75
457.09 391196.66
461.66 390735.00
466.27 390268.73
470.94 389797.79
475.64 389322.15
480.40 388841.75
485.20 388356.55
490.05 387866.49
494.95 387371.54
499.90 386871.64
504.90 386366.74
509.95 385856.79
515.05 385341.75
520.20 384821.55
525.40 384296.15
530.65 383765.50
535.96 383229.55
541.31 382688.23
546.73 382141.51
552.19 381589.32
557.71 381031.60
563.29 380468.31
568.92 379899.39
574.61 379324.78
580.35 378744.43
586.16 378158.27
592.02 377566.25
597.94 376968.32
603.91 376364.40
609.95 375754.45
616.05 375138.40
622.21 374516.19
628.43 373887.76
634.71 373253.04
641.06 372611.98
647.47 371964.52
653.94 371310.57
660.48 370650.09
667.08 369983.01
673.75 369309.25
680.49 368628.76
687.29 367941.47
694.17 367247.30
701.11 366546.19
 708.12 365838.08
715.20 365122.88
722.35 364400.53
729.57 363670.97
736.86 362934.10
744.23 362189.87
751.67 361438.20
759.19 360679.01
766.78 359912.24
774.44 359137.79
782.19 358355.61
790.01 357565.60
797.91 356767.69
805.88 355961.81
813.94 355147.87
822.08 354325.79
830.30 353495.50
838.60 352656.90
846.98 351809.91
855.45 350954.46
864.00 350090.46
872.64 349217.82
881.37 348336.45
890.18 347446.27
899.08 346547.19
908.07 345639.12
917.15 344721.97
926.32 343795.65
935.58 342860.07
944.93 341915.14
954.38 340960.76
963.92 339996.84
973.56 339023.28
983.29 338039.98
993.13 337046.86
1003.05 336043.80
1013.08 335030.72
1023.21 334007.51
1033.44 332974.07
1043.77 331930.29
1054.21 330876.08
1064.75 329811.33
1075.40 328735.94
1086.15 327649.79
1097.01 326552.78
1107.98 325444.80
1119.05 324325.75
1130.24 323195.51
1141.54 322053.97
1152.96 320901.01
1164.48 319736.53
1176.13 318560.40
1187.88 317372.52
1199.76 316172.76
1211.76 314961.00
1223.87 313737.13
1236.11 312501.02
1248.47 311252.55
1260.95 309991.61
1273.56 308718.05
1286.29 307431.76
1299.15 306132.61
1312.14 304820.47
1325.26 303495.21
1338.51 302156.70
1351.89 300804.81
1365.41 299439.41
1379.06 298060.35
1392.85 296667.50
1406.77 295260.73
1420.84 293839.89
1435.04 292404.85
1449.39 290955.46
1463.88 289491.57
1478.52 288013.06
1493.30 286519.76
1508.23 285011.52
1523.31 283488.21
1538.54 281949.67
1553.92 280395.75
1569.46 278826.29
1585.15 277241.14
1601.00 275640.14
1617.01 274023.13
1633.17 272389.96
1649.50 270740.46
1665.99 269074.46
1682.65 267391.81
1699.47 265692.34
1716.47 263975.87
1733.63 262242.24
1750.96 260491.28
1768.47 258722.81
1786.15 256936.66
1804.01 255132.66
1822.04 253310.62
1840.26 251470.35
1858.66 249611.70
1877.24 247734.45
1896.01 245838.44
1914.97 243923.47
1934.11 241989.36
1953.45 240035.91
1972.98 238062.92
1992.71 236070.22
2012.63 234057.58
2032.75 232024.83
2053.08 229971.75
2073.61 227898.15
2094.34 225803.81
2115.28 223688.53
2136.43 221552.11
2157.79 219394.32
2179.36 217214.96
2201.15 215013.81
2223.16 212790.65
2245.38 210545.27
2267.83 208277.44
2290.51 205986.93
2313.41 203673.52
2336.54 201336.98
2359.90 198977.08
2383.49 196593.59
2407.32 194186.26
2431.39 191754.87
2455.70 189299.17
2480.26 186818.91
2505.05 184313.86
2530.10 181783.76
2555.40 179228.36
2580.94 176647.42
2606.75 174040.67
2632.81 171407.86
2659.13 168748.72
2685.72 166063.00
2712.57 163350.43
2739.69 160610.74
2767.09 157843.65
2794.75 155048.90
2822.69 152226.20
2850.92 149375.29
2879.42 146495.87
2908.21 143587.66
2937.28 140650.38
2966.65 137683.73
2996.31 134687.41
3026.27 131661.14
3056.53 128604.61
3087.09 125517.53
3117.95 122399.57
3149.13 119250.45
3180.61 116069.84
3212.41 112857.43
3244.53 109612.90
3276.97 106335.93
3309.73 103026.20
3342.82 99683.37
3376.25 96307.13
3410.00 92897.12
3444.10 89453.03
3478.53 85974.50
3513.31 82461.19
3548.44 78912.76
3583.91 75328.84
3619.75 71709.10
3655.94 68053.16
3692.49 64360.67
3729.41 60631.27
3766.69 56864.57
3804.35 53060.22
3842.39 49217.83
3880.81 45337.02
3919.61 41417.42
3958.80 37458.62
3998.38 33460.24
4038.35 29421.89
4078.73 25343.16
4119.51 21223.65
4160.70 17062.96
4202.30 12860.66
4244.31 8616.35
4286.75 4329.60
4329.60 0.00