CONVERSION DE TASAS PASIVAS A TASAS EFECTIVAS ANUELAES

1 CONVERTIR LAS SIGUIENTES TASA NOMINALES ANUALES A TASAS EFECTIVAS A

TNA Frecuencia de capitalizacion

18% DIARIA 0.05%
24% SEMANAL 0.47%
30% QUINCENAL 1.25%
36% MENSUAL 3.00%
48% TRIMESTRAL 12.00%
60% SEMESTRAL 30.00%

2 CONVERTIR LAS SIGUIENTES TASA EFECTIVAS ANUALES A TASAS NOMINALES

TEA Frecuencia de capitalizacion NPERIODO

20% DIARIA 360
25% CADA 5 DIAS 72
30% CADA 10 DIAS 36
35% MENSUAL 12
42% TRIMESTRAL 4
50% CUATRIMESTRAL 3
60% SEMESTRAL 2

3 UNA PAREJA COMPRA UNA VIVIENDA CUYO PRECIO ES DE 150000 US$ P

CUAL DEBE DAR UNA INICIAL DE 20% POR EL SALDO UNA IFI LE OTORGA
EN SOLES AL TC 3.31 PARA SER PAGADO MENSUALMENTE DURANTE 20

CALCULAR EL PAGO Y REALIZAR EL CRONOGRAMA RESPECTIVO.

PRESTAMO 150000
PLAZO(MESES)
TEA
TASA MENSUAL
PAGO
PAGO

CRONOGRAMA DE PAGOS
N° de pago Pago Deuda
1 4372.89 397200
2 4372.89 396798.36
3 4372.89 396392.71
4 4372.89 395983.01
5 4372.89 395569.20
6 4372.89 395151.26
7 4372.89 394729.14
8 4372.89 394302.80
9 4372.89 393872.20
10 4372.89 393437.30
11 4372.89 392998.04
12 4372.89 392554.39
13 4372.89 392106.31
14 4372.89 391653.75
15 4372.89 391196.66
16 4372.89 390735.00
17 4372.89 390268.73
18 4372.89 389797.79
19 4372.89 389322.15
20 4372.89 388841.75
21 4372.89 388356.55
22 4372.89 387866.49
23 4372.89 387371.54
24 4372.89 386871.64
25 4372.89 386366.74
26 4372.89 385856.79
27 4372.89 385341.75
28 4372.89 384821.55
29 4372.89 384296.15
30 4372.89 383765.50
31 4372.89 383229.55
32 4372.89 382688.23
33 4372.89 382141.51
34 4372.89 381589.32
35 4372.89 381031.60
36 4372.89 380468.31
37 4372.89 379899.39
38 4372.89 379324.78
39 4372.89 378744.43
40 4372.89 378158.27
41 4372.89 377566.25
42 4372.89 376968.32
43 4372.89 376364.40
44 4372.89 375754.45
45 4372.89 375138.40
46 4372.89 374516.19
47 4372.89 373887.76
48 4372.89 373253.04
49 4372.89 372611.98
50 4372.89 371964.52
51 4372.89 371310.57
52 4372.89 370650.09
53 4372.89 369983.01
54 4372.89 369309.25
55 4372.89 368628.76
56 4372.89 367941.47
57 4372.89 367247.30
58 4372.89 366546.19
59 4372.89 365838.08
60 4372.89 365122.88
61 4372.89 364400.53
62 4372.89 363670.97
63 4372.89 362934.10
 64 4372.89 362189.87
65 4372.89 361438.20
66 4372.89 360679.01
67 4372.89 359912.24
68 4372.89 359137.79
69 4372.89 358355.61
70 4372.89 357565.60
71 4372.89 356767.69
72 4372.89 355961.81
73 4372.89 355147.87
74 4372.89 354325.79
75 4372.89 353495.50
76 4372.89 352656.90
77 4372.89 351809.91
78 4372.89 350954.46
79 4372.89 350090.46
80 4372.89 349217.82
81 4372.89 348336.45
82 4372.89 347446.27
83 4372.89 346547.19
84 4372.89 345639.12
85 4372.89 344721.97
86 4372.89 343795.65
87 4372.89 342860.07
88 4372.89 341915.14
89 4372.89 340960.76
90 4372.89 339996.84
91 4372.89 339023.28
92 4372.89 338039.98
93 4372.89 337046.86
94 4372.89 336043.80
95 4372.89 335030.72
96 4372.89 334007.51
97 4372.89 332974.07
98 4372.89 331930.29
99 4372.89 330876.08
100 4372.89 329811.33
101 4372.89 328735.94
102 4372.89 327649.79
103 4372.89 326552.78
104 4372.89 325444.80
105 4372.89 324325.75
106 4372.89 323195.51
107 4372.89 322053.97
108 4372.89 320901.01
109 4372.89 319736.53
110 4372.89 318560.40
111 4372.89 317372.52
112 4372.89 316172.76
113 4372.89 314961.00
114 4372.89 313737.13
115 4372.89 312501.02
116 4372.89 311252.55
117 4372.89 309991.61
118 4372.89 308718.05
119 4372.89 307431.76
120 4372.89 306132.61
121 4372.89 304820.47
122 4372.89 303495.21
123 4372.89 302156.70
124 4372.89 300804.81
125 4372.89 299439.41
126 4372.89 298060.35
127 4372.89 296667.50
128 4372.89 295260.73
129 4372.89 293839.89
130 4372.89 292404.85
131 4372.89 290955.46
132 4372.89 289491.57
133 4372.89 288013.06
134 4372.89 286519.76
135 4372.89 285011.52
136 4372.89 283488.21
137 4372.89 281949.67
138 4372.89 280395.75
139 4372.89 278826.29
140 4372.89 277241.14
141 4372.89 275640.14
142 4372.89 274023.13
143 4372.89 272389.96
144 4372.89 270740.46
145 4372.89 269074.46
146 4372.89 267391.81
147 4372.89 265692.34
148 4372.89 263975.87
149 4372.89 262242.24
150 4372.89 260491.28
151 4372.89 258722.81
152 4372.89 256936.66
153 4372.89 255132.66
154 4372.89 253310.62
155 4372.89 251470.35
156 4372.89 249611.70
157 4372.89 247734.45
158 4372.89 245838.44
159 4372.89 243923.47
160 4372.89 241989.36
161 4372.89 240035.91
162 4372.89 238062.92
163 4372.89 236070.22
164 4372.89 234057.58
165 4372.89 232024.83
166 4372.89 229971.75
167 4372.89 227898.15
168 4372.89 225803.81
169 4372.89 223688.53
170 4372.89 221552.11
171 4372.89 219394.32
172 4372.89 217214.96
173 4372.89 215013.81
174 4372.89 212790.65
175 4372.89 210545.27
176 4372.89 208277.44
177 4372.89 205986.93
178 4372.89 203673.52
179 4372.89 201336.98
180 4372.89 198977.08
181 4372.89 196593.59
182 4372.89 194186.26
183 4372.89 191754.87
184 4372.89 189299.17
185 4372.89 186818.91
186 4372.89 184313.86
187 4372.89 181783.76
188 4372.89 179228.36
189 4372.89 176647.42
190 4372.89 174040.67
191 4372.89 171407.86
192 4372.89 168748.72
193 4372.89 166063.00
194 4372.89 163350.43
195 4372.89 160610.74
196 4372.89 157843.65
197 4372.89 155048.90
198 4372.89 152226.20
199 4372.89 149375.29
200 4372.89 146495.87
201 4372.89 143587.66
202 4372.89 140650.38
203 4372.89 137683.73
204 4372.89 134687.41
205 4372.89 131661.14
206 4372.89 128604.61
207 4372.89 125517.53
208 4372.89 122399.57
209 4372.89 119250.45
210 4372.89 116069.84
211 4372.89 112857.43
212 4372.89 109612.90
213 4372.89 106335.93
214 4372.89 103026.20
215 4372.89 99683.37
216 4372.89 96307.13
217 4372.89 92897.12
218 4372.89 89453.03
219 4372.89 85974.50
220 4372.89 82461.19
221 4372.89 78912.76
222 4372.89 75328.84
223 4372.89 71709.10
224 4372.89 68053.16
225 4372.89 64360.67
226 4372.89 60631.27
227 4372.89 56864.57
228 4372.89 53060.22
229 4372.89 49217.83
230 4372.89 45337.02
231 4372.89 41417.42
232 4372.89 37458.62
233 4372.89 33460.24
234 4372.89 29421.89
235 4372.89 25343.16
236 4372.89 21223.65
237 4372.89 17062.96
238 4372.89 12860.66
239 4372.89 8616.35
240 4372.89 4329.60
1049494.29
FECTIVAS ANUELAES

ALES A TASAS EFECTIVAS ANUALES

19.72% 360 0.05%

27.05% 52 0.46%
34.74% 24 1.25%
42.58% 12 3.00%
57.35% 4 12.00%
69.00% 2 30.00%

ALES A TASAS NOMINALES ANUALES

TASA DE PERIODO TNA

0.05% 18.24% 360 0.05%
0.31% 22.35% 72 0.31%
0.73% 26.33% 36 0.73%
2.53% 30.39% 12 2.53%
9.16% 36.65% 4 9.16%
14.47% 43.41% 3 14.47%
26.49% 52.98% 2 26.49%

PRECIO ES DE 150000 US$ PARA LO

SALDO UNA IFI LE OTORGA UN CREDITO
NSUALMENTE DURANTE 20 AÑOS INCLUYE UNA TEA DE 12.68%

GRAMA RESPECTIVO.
 397200
240
12.68%
1.00%
4372.89
4,372.89

RONOGRAMA DE PAGOS
Interes Amortizacion Saldo
3971.26 401.64 396798.36
3967.24 405.65 396392.71
3963.19 409.71 395983.01
3959.09 413.80 395569.20
3954.95 417.94 395151.26
3950.77 422.12 394729.14
3946.55 426.34 394302.80
3942.29 430.60 393872.20
3937.99 434.91 393437.30
3933.64 439.26 392998.04
3929.25 443.65 392554.39
3924.81 448.08 392106.31
3920.33 452.56 391653.75
3915.81 457.09 391196.66
3911.24 461.66 390735.00
3906.62 466.27 390268.73
3901.96 470.94 389797.79
3897.25 475.64 389322.15
3892.49 480.40 388841.75
3887.69 485.20 388356.55
3882.84 490.05 387866.49
3877.94 494.95 387371.54
3872.99 499.90 386871.64
3867.99 504.90 386366.74
3862.95 509.95 385856.79
3857.85 515.05 385341.75
3852.70 520.20 384821.55
3847.50 525.40 384296.15
3842.24 530.65 383765.50
3836.94 535.96 383229.55
3831.58 541.31 382688.23
3826.17 546.73 382141.51
3820.70 552.19 381589.32
3815.18 557.71 381031.60
3809.60 563.29 380468.31
3803.97 568.92 379899.39
3798.28 574.61 379324.78
3792.54 580.35 378744.43
3786.74 586.16 378158.27
3780.88 592.02 377566.25
3774.96 597.94 376968.32
3768.98 603.91 376364.40
3762.94 609.95 375754.45
3756.84 616.05 375138.40
3750.68 622.21 374516.19
3744.46 628.43 373887.76
3738.18 634.71 373253.04
3731.83 641.06 372611.98
3725.42 647.47 371964.52
3718.95 653.94 371310.57
3712.41 660.48 370650.09
3705.81 667.08 369983.01
3699.14 673.75 369309.25
3692.40 680.49 368628.76
3685.60 687.29 367941.47
3678.73 694.17 367247.30
3671.79 701.11 366546.19
3664.78 708.12 365838.08
3657.70 715.20 365122.88
3650.55 722.35 364400.53
3643.32 729.57 363670.97
3636.03 736.86 362934.10
3628.66 744.23 362189.87
3621.22 751.67 361438.20
3613.71 759.19 360679.01
3606.12 766.78 359912.24
3598.45 774.44 359137.79
3590.71 782.19 358355.61
3582.89 790.01 357565.60
3574.99 797.91 356767.69
3567.01 805.88 355961.81
3558.95 813.94 355147.87
3550.81 822.08 354325.79
3542.60 830.30 353495.50
3534.29 838.60 352656.90
3525.91 846.98 351809.91
3517.44 855.45 350954.46
3508.89 864.00 350090.46
3500.25 872.64 349217.82
3491.53 881.37 348336.45
3482.71 890.18 347446.27
3473.81 899.08 346547.19
3464.82 908.07 345639.12
3455.74 917.15 344721.97
3446.58 926.32 343795.65
3437.31 935.58 342860.07
3427.96 944.93 341915.14
3418.51 954.38 340960.76
3408.97 963.92 339996.84
3399.33 973.56 339023.28
3389.60 983.29 338039.98
3379.77 993.13 337046.86
3369.84 1003.05 336043.80
3359.81 1013.08 335030.72
3349.68 1023.21 334007.51
3339.45 1033.44 332974.07
3329.12 1043.77 331930.29
3318.68 1054.21 330876.08
3308.14 1064.75 329811.33
3297.50 1075.40 328735.94
3286.74 1086.15 327649.79
3275.89 1097.01 326552.78
3264.92 1107.98 325444.80
3253.84 1119.05 324325.75
3242.65 1130.24 323195.51
3231.35 1141.54 322053.97
3219.94 1152.96 320901.01
3208.41 1164.48 319736.53
3196.77 1176.13 318560.40
3185.01 1187.88 317372.52
3173.13 1199.76 316172.76
3161.14 1211.76 314961.00
3149.02 1223.87 313737.13
3136.78 1236.11 312501.02
3124.43 1248.47 311252.55
3111.94 1260.95 309991.61
3099.34 1273.56 308718.05
3086.60 1286.29 307431.76
3073.74 1299.15 306132.61
3060.75 1312.14 304820.47
3047.63 1325.26 303495.21
3034.38 1338.51 302156.70
3021.00 1351.89 300804.81
3007.49 1365.41 299439.41
2993.83 1379.06 298060.35
2980.05 1392.85 296667.50
2966.12 1406.77 295260.73
2952.06 1420.84 293839.89
2937.85 1435.04 292404.85
2923.50 1449.39 290955.46
2909.01 1463.88 289491.57
2894.37 1478.52 288013.06
2879.59 1493.30 286519.76
2864.66 1508.23 285011.52
2849.58 1523.31 283488.21
2834.35 1538.54 281949.67
2818.97 1553.92 280395.75
2803.43 1569.46 278826.29
2787.74 1585.15 277241.14
2771.89 1601.00 275640.14
2755.89 1617.01 274023.13
2739.72 1633.17 272389.96
2723.39 1649.50 270740.46
2706.90 1665.99 269074.46
2690.24 1682.65 267391.81
2673.42 1699.47 265692.34
2656.43 1716.47 263975.87
2639.27 1733.63 262242.24
2621.93 1750.96 260491.28
2604.43 1768.47 258722.81
2586.74 1786.15 256936.66
2568.89 1804.01 255132.66
2550.85 1822.04 253310.62
2532.63 1840.26 251470.35
2514.23 1858.66 249611.70
2495.65 1877.24 247734.45
2476.88 1896.01 245838.44
2457.92 1914.97 243923.47
2438.78 1934.11 241989.36
2419.44 1953.45 240035.91
2399.91 1972.98 238062.92
2380.18 1992.71 236070.22
2360.26 2012.63 234057.58
2340.14 2032.75 232024.83
2319.81 2053.08 229971.75
2299.29 2073.61 227898.15
2278.56 2094.34 225803.81
2257.62 2115.28 223688.53
2236.47 2136.43 221552.11
2215.11 2157.79 219394.32
2193.53 2179.36 217214.96
2171.74 2201.15 215013.81
2149.74 2223.16 212790.65
2127.51 2245.38 210545.27
2105.06 2267.83 208277.44
2082.38 2290.51 205986.93
2059.48 2313.41 203673.52
2036.35 2336.54 201336.98
2012.99 2359.90 198977.08
1989.40 2383.49 196593.59
1965.57 2407.32 194186.26
1941.50 2431.39 191754.87
1917.19 2455.70 189299.17
1892.64 2480.26 186818.91
1867.84 2505.05 184313.86
1842.79 2530.10 181783.76
1817.50 2555.40 179228.36
1791.95 2580.94 176647.42
1766.14 2606.75 174040.67
1740.08 2632.81 171407.86
1713.76 2659.13 168748.72
1687.17 2685.72 166063.00
1660.32 2712.57 163350.43
1633.20 2739.69 160610.74
1605.81 2767.09 157843.65
1578.14 2794.75 155048.90
1550.20 2822.69 152226.20
1521.98 2850.92 149375.29
1493.47 2879.42 146495.87
1464.68 2908.21 143587.66
1435.61 2937.28 140650.38
1406.24 2966.65 137683.73
1376.58 2996.31 134687.41
1346.62 3026.27 131661.14
1316.37 3056.53 128604.61
1285.81 3087.09 125517.53
1254.94 3117.95 122399.57
1223.77 3149.13 119250.45
1192.28 3180.61 116069.84
1160.48 3212.41 112857.43
1128.36 3244.53 109612.90
1095.92 3276.97 106335.93
1063.16 3309.73 103026.20
1030.07 3342.82 99683.37
996.65 3376.25 96307.13
 962.89 3410.00 92897.12
928.80 3444.10 89453.03
894.36 3478.53 85974.50
859.58 3513.31 82461.19
824.46 3548.44 78912.76
788.98 3583.91 75328.84
753.15 3619.75 71709.10
716.96 3655.94 68053.16
680.40 3692.49 64360.67
643.49 3729.41 60631.27
606.20 3766.69 56864.57
568.54 3804.35 53060.22
530.50 3842.39 49217.83
492.09 3880.81 45337.02
453.29 3919.61 41417.42
414.10 3958.80 37458.62
374.52 3998.38 33460.24
334.54 4038.35 29421.89
294.16 4078.73 25343.16
253.38 4119.51 21223.65
212.20 4160.70 17062.96
170.60 4202.30 12860.66
128.58 4244.31 8616.35
86.15 4286.75 4329.60
43.29 4329.60 0.00
652294.29 397200.00
1049494.29
19.72%
27.39%
34.74%
42.58%
57.35%
69.00%

18%
22%
26%
30%
37%
43%
53%