ü30% TNA capitalizable mensualmente= tasa efectiva mensual

ief mensual = 0.30/12 = (0.30/12) x 1 = (0.30/360) x 30 = 0.025 = 2.5% TEM

ü18% TNA capitalizable trimestralmente=tasa efectiva trimestral

ief trim = 0.18/4 = (0.18/12) x 3 = (0.18/360) x 90 = 0.045 = 4.5% TET
ü54% TNA capitalizable semestralmente
ief semestral = 0.54/2 = (0.54/12) x 6 = (0.54/360) x 180 = 0.27 = 27% TES
ü7.5% TNT capitalizable bimestralmente
ief bim = 0.075/1.5 = (0.075/3) x 2 = (0.075/90) x 60 = 0.05 = 5% TEB
ü6% TNM capitalizable diariamente
ief diaria = 0.06/30 = (0.06/30) x 1 = 0.002 = 0,2% TED
ü13.5% TNS capitalizable bimensualmente
ief bim = 0.135/3 = (0.135/6) x 2 = (0.135/180) x 60 = 0.045 = 4.5% TEB
ü1.25% TNM capitalizable trimestralmente
ief trim = 0.0125x3 = (0.0125/1)x3 = (0.0125/30)x90 = 0.0375 = 3.75% TET
ü2% TNT capitalizable semestralmente
ief trim = 0.02x2 = (0.02/90)x180 = 0.04 = 4% TES
ü5% TNB capitalizable cada 77 Días
ief mensual = (0.05/60)x77 = 0.0642 = 6.42% TE77Días

Tarea: completar La columna J (las celdas en azul)

5 = 2.5% TEM 2.50% TEM =30%*(dias que quiero/dias que tengo)
=30%*(30/360)

x 90 = 0.045 = 4.5% TET 4.50% TET =18%*(dias que quiero/dias que tengo)
=18%*(90/360)
= 27% TES

= 5% TEB

= 4.5% TEB

75 = 3.75% TET

4.00% TES =2%*(dias que quiero/dias que tengo)

=2%*(180/90)
6.42% TE77 =5%*(dias que quiero/dias que tengo)
=5%*(77/60)
 Ejemplo 1

Primer deposito durante la primera tasa=TEA=8%, 50 dias S1

VF=? -S2
S1= 6,569.85 S3
D=6500 TEA=8% TEA=12%
Retiro, 19/1
S2= - 2,014.16 2-Jan 19-Jan 22-Feb
R=2000
Saldo al 21/2 33d 21 d
S3= 4,555.69 50d

Cierre de la cuenta, 15/3, nueva tasa, TEA=12%

22/2-15/3
Pasaron 21 dias

S= 4,585.91 Resultado final

 SF=?
TEA=12%

15-Mar

21 d
Ejemplo 2
TNA 41% capitalizable bimestralmente
TEB 6.833%
TEM 3.360% (1+TEB)^(dias que quiero/dias que tengo)-1
15,000.00 21,000.00
Fecha Focal F.F.
0 1 5 meses
P=?
FSA=Factor Simple Actualización
P=15000*(1+3.36%)^(-1)+21000*(1+3.36%)^(-5) FSC=Fac.Simp.Capitaliz.
P= 32,313.68

20,000.00 X

0 5 9
P= 32,313.68
TEM2= 4.2%
32,313.68 =20000/(1+0.042)^5 + x/(1+0.042)^9

32,313.68- 16281.3871 = 16,032.29

x = 23,216.95
(1+i)^(-n)
(1+i)^(n)