TEM 1.00% TEB 2.

00%
TEM 1.0000% TEM 0.9950%
TEB 2.0100% TEB 2.0000%
TET 3.0301% TET 3.0150%
TEC 4.0604% TEC 4.0400%
TES 6.1520% TES 6.1208%
TEA 12.6825% TEA 12.6162%
TE2A 26.9735% TE2A 26.8242%
TE3A 43.0769% TE3A 42.8246%
TEQ 0.4988% TEQ 0.4963%
TESemanal 0.2324% TESemanal 0.2313%
TED 0.0332% TED 0.0330%

TN

TNX1 3%
(sera 12 si el dato es en meses, sera 360 si el dato es el dias) LQQ 12
LQT 4
TNX2 9%

TNA 9.00%
m 12
TEA 9.3807%
 TEX N
1 1.5000% 7
2 2.0000% 8
3 1.0000% 7
4
5
6

N (TEX) 3.6666666666667

TEX 9.4859%

Cx AL PRESENTE O FUTURO

VA VF
Cx 500 Cx
t 5 t
TEX 5.00% TEX

C(0) 391.76 C(n)

Anualidad G. geometrico
R 2929.03 R 5858.06
n 180 n 30
TEX 1.000% TEX 6.152%
G 2%
C 244051.65
 C 98465.706223126

Anualidad
C 44590.47
n 24
TEX 0.500%
R 1976.28
G. geometrico
C 366678.53
n 3
TEX 16.040%
G -15%
R 187518.11

Anualidad
C 220000
R 2800
TEX 1.000%

n 154.8134

Anualidad
C 220000
n 154.81
R 2800

TEX 1.0000%
 TEX1 --> TEX2

TET 4.00% TEC 5.00% TES 6.00% TEA

TEM 1.3159% TEM 1.2272% TEM 0.9759% TEM
TEB 2.6492% TEB 2.4695% TEB 1.9613% TEB
TET 4.0000% TET 3.7270% TET 2.9563% TET
TEC 5.3686% TEC 5.0000% TEC 3.9610% TEC
TES 8.1600% TES 7.5930% TES 6.0000% TES
TEA 16.9859% TEA 15.7625% TEA 12.3600% TEA
TE2A 36.8569% TE2A 34.0096% TE2A 26.2477% TE2A
TE3A 60.1032% TE3A 55.1328% TE3A 41.8519% TE3A
TEQ 0.6558% TEQ 0.6117% TEQ 0.4868% TEQ
TESemanal 0.3055% TESemanal 0.2850% TESemanal 0.2269% TESemanal
TED 0.0436% TED 0.0407% TED 0.0324% TED

TNA --> TEX

TEA 9.38% OBS:

TEM 0.7500% Si no nos dan la capitalizacion, m=360
TEB 1.5056%
TET 2.2669%
TEC 3.0339% # meses 3
TES 4.5852% m 4
TEA 9.3807%
TE2A 19.6414% # dias 9
TE3A 30.8645% m 40
TEQ 0.3743%
 TEM Tasa Efectiva Mensual
TEB Tasa Efectiva Bimestral
TET Tasa Efectiva Trimestral
TEC Tasa Efectiva Cuatrimetral
TES Tasa Efectiva Semestral
TEA Tasa Efectiva Anual
TEQ Tasa Efectiva Quicenal (Bimensual)
TED Tasa Efectiva Diaria

ANUALIDAD VENCIDA

VF Valor Presente Valor Futuro

500 R 500 R
5 n 3 n
5.00% TEX 10.000% TEX

638.14 C 1243.43 VF

ANUALIDAD + GRADIENTES

G. Aritmentico VA (0)
R 5000 Valor 850000
n 12 t 15
TEX 1.00% TEX 16.00%
G 2500
 C 207697.08 C 91737.96

OBSERVACION

TEX1 --> TEX2

TEX1 30.00% nf 0
LQQ 20 ni 12
LQT 360 # 1
TEX2 1.4683% n -11
 12.00% TESemanal 0.07% TED 0.07% TEQ
0.9489% TEM 0.3003% TEM 2.1215% TEM
1.9068% TEB 0.6016% TEB 4.2879% TEB
2.8737% TET 0.9037% TET 6.5003% TET
3.8499% TEC 1.2068% TEC 8.7597% TEC
5.8301% TES 1.8157% TES 13.4232% TES
12.0000% TEA 3.7057% TEA 28.6483% TEA
25.4400% TE2A 7.5488% TE2A 65.5038% TE2A
40.4928% TE3A 11.5343% TE3A 112.9177% TE3A
0.4733% TEQ 0.1501% TEQ 1.0552% TEQ
0.2182% TESemanal 0.0700% TESemanal 0.4910% TESemanal
0.0315% TED 0.0100% TED 0.0700% TED

alizacion, m=360

Caso particular TESemanal y TEA

TESemanal 1.00%
TEA 67.7689%
 TEA 6.00%
TESemanal 0.1121%

# meses # dias
Mes 1 30
Bimeste 2 60
Trimestre 3 90
Cuatrimestre 4 120
Semestre 6 180
Año 12 360

A ANUALIDAD ANTICIPADA

Valor Futuro Valor Presente Valor Futuro

3000 R 500 R
6 n 3 n
0.750% TEX 10.000% TEX

18340.89 C 1367.77 VF

Perp. Anualidad Perp. Geometrica

R 45343 R 380000
TEX 45% TEX 16%
G 1.50%
C 100762.22 C 2620689.66
 6.00%
12.3600%
26.2477%
41.8519%
59.3848%
101.2196%
304.8935%
1539.3872%
6537.7715%
6.0000%
2.7565%
0.3892%
A

Valor Futuro
500
3
10.000%

1820.50

Perp. Aritmetica
R 243435
TEX 5%
G 20
C 4876700.00
 S0 500000 DOLARES/EUROS

Dolares/Euros

S0 ($ o €) 500000 S0 ($ o €)
S1 ($ o €) 530450 S0 (s/)
S1 (s/)
S1 ($ o €)

S1 ($ o €) 530450 S1 ($ o €)
S2 ($ o €) 539254.40 S1 (s/)
S2 (s/) 4583662.40 S2 (s/)
S2 ($ o €)

S2 ($ o €) 617289.46
S2 (s/) 4583662.40

DOLARES
S 617289.46
C 500000
n (# de meses) 6
N(TEX) 12

TEX prom 0.524185

SOLES
S 4583662.40
C 1280000
n (# de meses) 6
N(TEX) 12

TEX prom 11.823463

Soles TC MENOR MAYOR
HOY 2.56 9.00
500000 1ER PERIODO 4.5 6
1280000 2DO PERIODO 8.5 4
1356800
226133.33 TASA DOLARES/EUROS SOLES
1ER PERIODO 3.00% 6.00%
530450 LQQ 2 3
2387025.00 LQT 1 3
2469157.86 6.09% 6.00%
617289.46
2DO PERIODO 2.50% 7.00%
LQQ 4 2
LQT 6 4
1.66% 3.44%

MENSUAL 1
BIMESTRAL 2
TRIMESTRAL 3
CUATRIMESTRAL 4
SEMESTRAL 6
ANUAL 12
 S0 1500000 SOLES

Soles

S0 (s/) 1500000 S0 (s/)

S1 (s/) 1526024.2462 S0 ($ o €)
S1 ($ o €)
S1 (s/)

S1 (s/) 1538473.02 S1 (s/)

S2 (s/) 1573348.93 S1 ($ o €)
S2 ($ o €) 469656.40 S1 ($ o €)
S1 (s/)

S2 (s/) 1573348.93
S2 ($ o €) 469656.40

SOLES
S 1573348.93
C 1500000
n (# de meses) 6
N(TEX) 12

TEX prom 0.100190

DOLARES
S 469656.40
C 447761.19
n (# de meses) 6
N(TEX) 12

TEX prom 0.100190

Dolares/Euros TC MENOR MAYOR
HOY 3.3 3.35
1500000 1ER PERIODO 3.38 3.45
447761.19 2DO PERIODO 3.25 3.35
455169.53
1538473.02 TASA SOLES DOLARES/EUROS
1ER PERIODO 3.50% 1.10%
1538473.02 LQQ 3 3
455169.53 LQT 6 2
464728.09 1.73% 1.65%
1510366.31
2DO PERIODO 0.75% 2.10%
LQQ 3 3
LQT 1 3
2.27% 2.10%

MENSUAL 1
BIMESTRAL 2
TRIMESTRAL 3
CUATRIMESTRAL 4
SEMESTRAL 6
ANUAL 12
 TEX N
1 2.0000% 5
2 3.0000% 3
3 4.0000% 3
4
5
6

N (TEX) 20

TEX 0.015385
TNX1 0.5% TNX1 4.0%
LQQ 12 LQQ 12
LQT 1 LQT 4
TNX2 6% TNX2 12%

TNA 6.00% TNA 12.00%

m 12 m 12
TEA 6.1678% TEA 12.6825%
 TEX
1 6.1678%
2 12.6825%
3
4
5
6

N (TEX)

TEX
 N
0.75
0.416666667

1.166666667

0.08450059
TNX1 5% TEA 10.38%
LQQ 12 TEM 0.8265%
LQT 6 TEB 1.6598%
TNX2 10% TET 2.5000%
TEC 3.3471%
TNA 10.00% TES 5.0625%
m 4 TEA 10.3813%
TEA 10.3813% TE2A 21.8403%
TE3A 34.4889%
TEQ 0.4124%
TET 2.50%
TEM 0.8265%
TEB 1.45%
TEM 0.7224%
TEB 1.4500%
TET 2.1829%
TEC 2.9210%
TES 4.4134%
TEA 9.0215%

G. geometrico Anualidad
R 1800 R 1
n 5 n 10
TEX 1.450% TEX 1.450%
G -7%
Cb 9.25 R
Ca 7511.584126 5
0

55000 = Ca*(1+TEB)^30 + Cb*(1+TEB)^25 + Cc*(1

55000 = 11568.9269 + 13.2521457 R

12821.87801 = 13.25214572 R

R 967.53
 G. Aritmentico
R 1000
n 15
TEX 1.45%
G 125

Cc 24664.43
15

EB)^25 + Cc*(1+TEB)^15

+ 30609.1951
 S0 170000 SOLES

Soles

S0 (s/) 170000 S0 (s/)

S1 (s/) 172494.553849 S0 ($ o €)
S1 ($ o €)
S1 (s/)

S1 (s/) 174993.27 S1 (s/)

S2 (s/) 177978.40 S1 ($ o €)
S2 ($ o €) 39727.32 S1 ($ o €)
S1 (s/)

S2 (s/) 188737.88
S2 ($ o €) 43189.45

SOLES
S 188737.88
C 170000
n (# de meses) 6
N(TEX) 12

TEX prom 0.232595

DOLARES
S 43189.45
C 41463.41
n (# de meses) 6
N(TEX) 12

TEX prom 0.084988

Dolares/Euros TC MENOR MAYOR
HOY 4.01 4.1
170000 1ER PERIODO 4.14 4.22
41463.41 2DO PERIODO 4.37 4.48
42268.91
174993.27 TASA SOLES DOLARES/EUROS
1ER PERIODO 6.00% 8.00%
174993.27 LQQ 3 3
42268.91 LQT 12 12
43189.45 1.47% 1.94%
188737.88
2DO PERIODO 7.00% 9.00%
LQQ 3 3
LQT 12 12
1.71% 2.18%

MENSUAL 1
BIMESTRAL 2
TRIMESTRAL 3
CUATRIMESTRAL 4
SEMESTRAL 6
ANUAL 12
 TEX N
1 10.0339% 1
2 0.7500% 8
3 2.2000% 4
4
5
6

N (TEX) 24

TEX 1.0153%

TNX1 0.8%
LQQ 12
LQT 1
TNX2 9.60%

TNA 9.60%
m 12
TEA 10.0339%
 VF
C 150000
t 24
TEX 1.02%

S 191153.24

S 191153.24
C 150000
I 41153.24

I* 32922.59
S* 182922.59
TNX1 1% TNX1
LQQ 12 LQQ
LQT 2 LQT
TNX2 6% TNX2

TNA 6.00% TNA

m 12 m
TEA 6.1678% TEA
 TEX N
1 6.1678% 0.41666667
2 12.6825% 0.75
3
4
5
6

N (TEX) 1.16666667

TEX 0.10311156

1%
12
1
12%

12.00%
12
12.6825%
 TEX1 --> TEX2 TEX1 --> TEX2

TEX1 12.36% TEX1

LQQ 6 LQQ
LQT 12 LQT
TEX2 6.0000% TEX2

Anualidad G. geometrico
R 100000 R
n 2 n
TEX 6.000% TEX
G
Ca 183339.27
Cb

Ca = Cb

183339.27 = 2.8321499116

R 64735.0148716359
TEX1 --> TEX2

16.00%
8
12
10.4007%

G. geometrico
1
3
10.401%
15%

2.8321499116 R

R
 Anualidad D.E = Cta. Inicial + Abono
R 20000
n 3 DE (S/) 58244.01
TEX 1.500% DE ($) 16406.76

Abono 58244.01 406.76

Le sobra
cial + Abono
TEA 14.00%
TEM 1.0979%
TEB 2.2078%
TET 3.3299%
TEC 4.4644%
TES 6.7708%
TEA 14.0000%

Anualidad Anualidad
R 1 R
n 36 n
TEX 1.098% TEX

Ca 29.60 R Cb

Financ. = Ca + Cb

35000 = 29.60 R

R= 857.93
Anualidad
2000
6
6.771%

9600.91

+ 9600.91
 Anualidad
C 30000
n 9
R 4000

TEX 3.8104%
TEB 3.81%
TEM 1.8874%
TEB 3.8104%
TET 5.7697%
TEC 7.7659%
TES 11.8722%
TEA 0.251539
TET 3.0301%
TEM 1.0000%
TEB 2.0100%
TET 3.0301%
TEC 4.0604%
TES 6.1520%
TEA 12.6825%

Anualidad
C 220000
R 2800
TEX 1.000%

n 154.8134
 TES 12.62% Financ. 140000
TEM 2.0000% Plazo 3
TEB 4.0400% Plazo 18
TET 6.1208%
TEC 8.2432%
TES 12.6162%
TEA 26.8241%

Cuotas bimestrales Cuotas Balon

Anualidad VA (0)
R 1 Valor 56000
n 17 t 18
TEX 4.040% TEX 4.04%

C 12.13 R C 27452.56

Financ. = Ca + Cb

140000 = 12.13 R + 27452.56

R 9279.95
años
bimestres

Caso 1 A = Bx + C ----> x = (A-C)/B

Caso 2 A = Bx + Cx ----> x = A/(B+C)
 TEA 19.5618% Financ. 200000
TEM 1.5000% Plazo 3
TEB 3.0225% Plazo 36
TET 4.5678%
TEC 6.1363%
TES 9.3443%
TEA 19.5618%

Cuotas mensuales Cuotas Balon

Anualidad VA (0)
R 1 Valor 50000
n 35 t 36
TEX 1.500% TEX 1.50%

C 27.08 R C 29254.50

Financ. = Ca + Cb

200000 = 27.08 R + 29254.50

R 6306.25
años
mensuales

Caso 1 A = Bx + C ----> x = (A-C)/B

Caso 2 A = Bx + Cx ----> x = A/(B+C)