Tasas Nominales

Tasas Tipo m Sigla nominalTasa Efectiva

12% Nominal Mes vencido 12 NMV 1.0%
12% Nominal Bimestre vencido 6 NBV 2.0%
12% Nominal Anual trimestre vencido 4 NTV 3.0%
12% Nominal cuatrimestre vencido 3 NCV 4.0%
12% Nominal Semestre vencido 2 NSV 6.0%

Tasas periodicas
Mensual
Bimestral
Trimestral
Cuatrimestral
Semestral

1% EMV 1.00%
Sigla Tasa Efectiva
EMV 12.68% 12.68%
EBV 12.62%
ETV 12.55%
ECTV 12.49%
ESV 12.36%

Tasa efectiva

(1+I)^n=(1+I)^m
i=j/m
CDT -10000000
TASA 2% ETV Efectivo trimestre vencido
PERIODO 1 AÑO

Cuanto obtengo en un año

Valor final
$ 10,824,321.60

Cuanto obt al final de 1 año , si hago un ahorro programado de 300000 quincenales y el banco paga una tasa de 12% NMV

300000 Pago
12% NMV
1% EMV
0.499% equincenal
-$ 7,628,478.24
paga una tasa de 12% NMV
¿Cual es el valor de la cuota mensual?

Banco $ 40,000,000
TASA 0.14
PERIODO 36
CUOTA MENSUAL -$ 1.351.124,90

EA 1,10%
Si realizo el pago extraordinario pactado en el mes 6 de 10 millones, ¿Cuál es el valor de la cuota?

-$ 9.365.858,12
1 2
$ 40,000,000
$ 30.634.141,88
MESES -$ 1.034.763,80

PERIODO SALDO INICIAL

0
1 $ 40,000,000
2 $ 39,088,029
3 $ 38,166,046
4 $ 37,233,940
5 $ 36,291,601
6 $ 35,338,917
7 $ 34,375,772
8 $ 33,402,054
9 $ 32,417,645
10 $ 31,422,429
11 $ 30,416,286
12 $ 29,399,097
13 $ 28,370,741
14 $ 27,331,094
15 $ 26,280,033
16 $ 25,217,433
17 $ 24,143,166
18 $ 23,057,106
19 $ 21,959,121
20 $ 20,849,082
21 $ 19,726,857
22 $ 18,592,310
23 $ 17,445,307
24 $ 16,285,712
25 $ 15,113,385
26 $ 13,928,188
27 $ 12,729,979
28 $ 11,518,614
29 $ 10,293,951
30 $ 9,055,841
31 $ 7,804,139
32 $ 6,538,695
33 $ 5,259,357
34 $ 3,965,974
35 $ 2,658,391
36 $ 1,336,452
 $ 10,000,000
3 4 5 6

CUOTA INTERESES CAPITAL SALDO FINAL

$ 40,000,000
$ 1.351.124, $ 439.154,08$ 911.970,82$ 39.088.029,18
$ 1.351.124, $ 429.141,69$ 921.983,22$ 38.166.045,96
$ 1.351.124, $ 419.019,37$ 932.105,53$ 37.233.940,43
$ 1.351.124, $ 408.785,92$ 942.338,98$ 36.291.601,45
$ 1.351.124, $ 398.440,12$ 952.684,78$ 35.338.916,67
$ 1.351.124, $ 387.980,73$ 963.144,17$ 34.375.772,50
$ 1.351.124, $ 377.406,52$ 973.718,38$ 33.402.054,11
$ 1.351.124, $ 366.716,21$ 984.408,69$ 32.417.645,42
$ 1.351.124, $ 355.908,53$ 995.216,37$ 31.422.429,05
$ 1.351.124, $ 344.982,20$ 1.006.142, $ 30.416.286,34
$ 1.351.124, $ 333.935,90$ 1.017.189, $ 29.399.097,35
$ 1.351.124, $ 322.768,34$ 1.028.356, $ 28.370.740,78
$ 1.351.124, $ 311.478,16$ 1.039.646, $ 27.331.094,05
$ 1.351.124, $ 300.064,04$ 1.051.060, $ 26.280.033,18
$ 1.351.124, $ 288.524,59$ 1.062.600, $ 25.217.432,87
$ 1.351.124, $ 276.858,46$ 1.074.266, $ 24.143.166,43
$ 1.351.124, $ 265.064,25$ 1.086.060, $ 23.057.105,78
$ 1.351.124, $ 253.140,55$ 1.097.984, $ 21.959.121,43
$ 1.351.124, $ 241.085,94$ 1.110.038, $ 20.849.082,47
$ 1.351.124, $ 228.898,99$ 1.122.225, $ 19.726.856,56
$ 1.351.124, $ 216.578,24$ 1.134.546, $ 18.592.309,90
$ 1.351.124, $ 204.122,22$ 1.147.002, $ 17.445.307,22
$ 1.351.124, $ 191.529,45$ 1.159.595, $ 16.285.711,76
$ 1.351.124, $ 178.798,42$ 1.172.326, $ 15.113.385,28
$ 1.351.124, $ 165.927,62$ 1.185.197, $ 13.928.188,00
$ 1.351.124, $ 152.915,51$ 1.198.209, $ 12.729.978,61
$ 1.351.124, $ 139.760,55$ 1.211.364, $ 11.518.614,26
$ 1.351.124, $ 126.461,16$ 1.224.663, $ 10.293.950,52
$ 1.351.124, $ 113.015,76$ 1.238.109, $ 9.055.841,38
$ 1.351.124, $ 99.422,74 $ 1.251.702, $ 7.804.139,22
$ 1.351.124, $ 85.680,49 $ 1.265.444, $ 6.538.694,80
$ 1.351.124, $ 71.787,36 $ 1.279.337, $ 5.259.357,27
$ 1.351.124, $ 57.741,70 $ 1.293.383, $ 3.965.974,07
$ 1.351.124, $ 43.541,84 $ 1.307.583, $ 2.658.391,01
$ 1.351.124, $ 29.186,08 $ 1.321.938, $ 1.336.452,19
$ 1.351.124, $ 14.672,71 $ 1.336.452, $ 0,00
Credito $ 1,200,000,000
periodo 20
PEXT.PACT $ 1,000,000

VA $ 1,200,000,000
PEXT.PACT $ 1,000,000
N PAGOS 40
EA 9.10%
MESES 240
esv 4%
0.7%

-$ 18,531,158.35
$ 1,181,468,842 Prestamo
-$ 10,434,098.61 Cuota M

Credito 60000000
plazo/AÑOS 5
TASA actual colombia
Credito $ 60,000,000 Al final c.a PEXT.PACT
Plazo/AÑOS 5

ES 1.0%
EM 1.0%
Final A $ 6,000,000 Credito EA 12.1%
1/2 A $ 3,000,000
V.C

Periodo S.I Pago extraor Cuota Intereses

0
1 $ 60,000,000 $ - $ 593,554.41 $ 573,832
2 $ 59,980,278 $ - $ 593,554.41 $ 573,644
3 $ 59,960,367 $ - $ 593,554.41 $ 573,453
4 $ 59,940,266 $ - $ 593,554.41 $ 573,261
5 $ 59,919,973 $ - $ 593,554.41 $ 573,067
6 $ 59,899,486 $ 3,000,000 $ 593,554.41 $ 572,871
7 $ 56,878,802 $ - $ 593,554.41 $ 543,982
8 $ 56,829,229 $ - $ 593,554.41 $ 543,508
9 $ 56,779,183 $ - $ 593,554.41 $ 543,029
10 $ 56,728,657 $ - $ 593,554.41 $ 542,546
11 $ 56,677,648 $ - $ 593,554.41 $ 542,058
12 $ 56,626,152 $ 6,000,000 $ 593,554.41 $ 541,565
13 $ 50,574,163 $ - $ 593,554.41 $ 483,685
14 $ 50,464,293 $ - $ 593,554.41 $ 482,634
15 $ 50,353,373 $ - $ 593,554.41 $ 481,573
16 $ 50,241,392 $ - $ 593,554.41 $ 480,502
17 $ 50,128,339 $ - $ 593,554.41 $ 479,421
18 $ 50,014,206 $ 3,000,000 $ 593,554.41 $ 478,330
19 $ 46,898,981 $ - $ 593,554.41 $ 448,536
20 $ 46,753,963 $ - $ 593,554.41 $ 447,149
21 $ 46,607,557 $ - $ 593,554.41 $ 445,749
22 $ 46,459,752 $ - $ 593,554.41 $ 444,335
23 $ 46,310,532 $ - $ 593,554.41 $ 442,908
24 $ 46,159,886 $ 6,000,000 $ 593,554.41 $ 441,467
25 $ 40,007,799 $ - $ 593,554.41 $ 382,630
26 $ 39,796,874 $ - $ 593,554.41 $ 380,612
27 $ 39,583,932 $ - $ 593,554.41 $ 378,576
28 $ 39,368,953 $ - $ 593,554.41 $ 376,520
29 $ 39,151,918 $ - $ 593,554.41 $ 374,444
30 $ 38,932,808 $ 3,000,000 $ 593,554.41 $ 372,348
31 $ 35,711,602 $ - $ 593,554.41 $ 341,541
32 $ 35,459,589 $ - $ 593,554.41 $ 339,131
33 $ 35,205,165 $ - $ 593,554.41 $ 336,698
34 $ 34,948,309 $ - $ 593,554.41 $ 334,241
35 $ 34,688,995 $ - $ 593,554.41 $ 331,761
36 $ 34,427,202 $ 6,000,000 $ 593,554.41 $ 329,257
37 $ 28,162,905 $ - $ 593,554.41 $ 269,346
38 $ 27,838,697 $ - $ 593,554.41 $ 266,246
39 $ 27,511,388 $ - $ 593,554.41 $ 263,115
40 $ 27,180,949 $ - $ 593,554.41 $ 259,955
41 $ 26,847,350 $ - $ 593,554.41 $ 256,765
42 $ 26,510,560 $ 3,000,000 $ 593,554.41 $ 253,544
43 $ 23,170,550 $ - $ 593,554.41 $ 221,600
44 $ 22,798,595 $ - $ 593,554.41 $ 218,043
45 $ 22,423,084 $ - $ 593,554.41 $ 214,452
46 $ 22,043,981 $ - $ 593,554.41 $ 210,826
47 $ 21,661,252 $ - $ 593,554.41 $ 207,165
48 $ 21,274,863 $ 6,000,000 $ 593,554.41 $ 203,470
49 $ 14,884,779 $ - $ 593,554.41 $ 142,356
50 $ 14,433,581 $ - $ 593,554.41 $ 138,041
51 $ 13,978,067 $ - $ 593,554.41 $ 133,684
52 $ 13,518,197 $ - $ 593,554.41 $ 129,286
53 $ 13,053,929 $ - $ 593,554.41 $ 124,846
54 $ 12,585,221 $ 3,000,000 $ 593,554.41 $ 120,363
55 $ 9,112,030 $ - $ 593,554.41 $ 87,146
56 $ 8,605,622 $ - $ 593,554.41 $ 82,303
57 $ 8,094,371 $ - $ 593,554.41 $ 77,414
58 $ 7,578,230 $ - $ 593,554.41 $ 72,477
59 $ 7,057,153 $ - $ 593,554.41 $ 67,494
60 $ 6,531,092 $ 6,000,000 $ 593,554.41 $ 62,463
T.A

6 12 18
-$ 2,833,468.89 -$ 5,352,363.96 -$ 2,527,626.13
Capital Saldo .f
$ 60,000,000
$ 19,722 $ 59,980,278
$ 19,911 $ 59,960,367
$ 20,101 $ 59,940,266
$ 20,293 $ 59,919,973
$ 20,487 $ 59,899,486
$ 20,683 $ 56,878,802
$ 49,573 $ 56,829,229
$ 50,047 $ 56,779,183
$ 50,526 $ 56,728,657
$ 51,009 $ 56,677,648
$ 51,497 $ 56,626,152
$ 51,989 $ 50,574,163
$ 109,870 $ 50,464,293
$ 110,920 $ 50,353,373
$ 111,981 $ 50,241,392
$ 113,052 $ 50,128,339
$ 114,133 $ 50,014,206
$ 115,225 $ 46,898,981
$ 145,019 $ 46,753,963
$ 146,405 $ 46,607,557
$ 147,806 $ 46,459,752
$ 149,219 $ 46,310,532
$ 150,646 $ 46,159,886
$ 152,087 $ 40,007,799
$ 210,925 $ 39,796,874
$ 212,942 $ 39,583,932
$ 214,979 $ 39,368,953
$ 217,035 $ 39,151,918
$ 219,110 $ 38,932,808
$ 221,206 $ 35,711,602
$ 252,013 $ 35,459,589
$ 254,423 $ 35,205,165
$ 256,857 $ 34,948,309
$ 259,313 $ 34,688,995
$ 261,793 $ 34,427,202
$ 264,297 $ 28,162,905
$ 324,208 $ 27,838,697
$ 327,309 $ 27,511,388
$ 330,439 $ 27,180,949
$ 333,599 $ 26,847,350
$ 336,790 $ 26,510,560
$ 340,011 $ 23,170,550
$ 371,954 $ 22,798,595
$ 375,512 $ 22,423,084
$ 379,103 $ 22,043,981
$ 382,729 $ 21,661,252
$ 386,389 $ 21,274,863
$ 390,084 $ 14,884,779
$ 451,198 $ 14,433,581
$ 455,513 $ 13,978,067
$ 459,870 $ 13,518,197
$ 464,268 $ 13,053,929
$ 468,708 $ 12,585,221
$ 473,191 $ 9,112,030
$ 506,408 $ 8,605,622
$ 511,251 $ 8,094,371
$ 516,141 $ 7,578,230
$ 521,077 $ 7,057,153
$ 526,061 $ 6,531,092
$ 531,092 -$ 0
 24 30 36 42 48
-$ 4,774,633.33 -$ 2,254,795.83 -$ 4,259,262.56 -$ 2,011,414.66 -$ 3,799,520.57

-$ 32,996,792.64
$ 27,003,207
V.C.A -$ 593,554.41
 54 60
-$ 1,794,303.89 -$ 3,389,402.83