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Tasas equivalentes
B
TNB 4% 6 TNA 24% =B41*C41
TNM 1.50% 12 TNA 18% =B42*C42
TNS 8% 2 TNA 16% =B43*C43
1/ 〖 (1+𝑡%) 〗 ^𝑛
1/ 〖 (1+𝑡%) 〗 ^𝑛
TED 0.09%
Reducir TESem 0.64%
la escala TEQ 1.29%
TEM 2.60%
TET 8.00%
Elevar TES 16.6400%
la escala TE8m 22.7807%
TE9m 25.9712% 0.360489
TEA 36.0489%
TE2años 85.0930%
TE150d 13.686%
TE45d = 3% TES =
TE45d = 3% TEM =
TET = 4.50% TEB =
Ejemplo:
TNA = 36.00%
m= 4
TET 9.000%
TEM 2.914%
EJERCICIOS
EJERCICIO 1 / A
Frec
TNA con Capitalización "m" TEA
1 20% con Anual 1 20.00% =(1 + $B$143/E143)^E143 - 1
2 con Semestral 2 21.00% =(1 + $B$143/E144)^E144 - 1
3 con Cuatrimestral 3 21.36% =(1 + $B$143/E145)^E145 - 1
4 con Trimestral 4 21.55% =(1 + $B$143/E146)^E146 - 1
5 con Bimestral 6 21.74% =(1 + $B$143/E147)^E147 - 1
6 con Mensual 12 21.94% =(1 + $B$143/E148)^E148 - 1
7 con Quincenal 24 22.04% =(1 + $B$143/E149)^E149 - 1
8 con Semanal 52 22.09% =(1 + $B$143/E150)^E150 - 1
9 con Días 360 22.13% =(1 + $B$143/E151)^E151 - 1
10 con Horas 8640 22.14% =(1 + $B$143/E152)^E152 - 1
11 con Minutos 518400 22.14% =(1 + $B$143/E153)^E153 - 1
12 con Segundos 31104000 22.14% =(1 + $B$143/E154)^E154 - 1
5,000.00
Préstamo 5,000.00
TEM 15%
#Cuotas 3 0 1 2 3
P1 1,000.00
1 mes
P2 2,000.00 1,000.00
2 mes 2,000.00
P3 X
Préstamo = S VP_Cuotas
5,000.00 = 869.57 +
X = 4,579.16
"C" TEM = 3%
0 1 2 3 4
3,000
4,800
5,100
C= 15,510.31
20,000
TEM1 = 1% TEM2 =
0 6
3,500
Método 1: SALDOS
Paso 2
S = C * ( 1 + TEM2)^X
20,762.63 = 16,602.44 x ( 1 + 1.25%)^X
0.223605185 = X * 0.01242252
X * = 18 meses
S VF Depósitos 22,873.28
S VF Retiros (6,271)
Ec_1
C TNA = 20% S SN = C x ( 1 + TNA/2)^2
Nominal (TNA)
SN = C x ( 1 + TNA/m)^m
TNA/2 TNA/2
10% 10%
años
Ec_2
100 110 121.00 SE = C x ( 1 + TEA)
Efectiva (TEA)
C
S_0 S_1 = S_0 x (1+TNA/2) S_2
S_2 = S_1 x (1+TNA/2)^1
S_2 = S_0 x (1+TNA/2)^1 x (1+TNA/2)^1
S_2 = S_0 x (1+TNA/2)^2
TN
TN
TN
TN
TN
𝑇𝐸𝐴= 〖 (1+𝑇𝑁𝐴/
TN
𝑚) 〗 ^𝑚−1
TN
𝑇𝐸𝐴=lim_(𝑚→∞)〖 (1+𝑇𝑁𝐴/ TN
𝑚)^𝑚−1 〗 TN
TN
1/ 〖 (1+𝑡%) 〗 ^𝑛 <>𝑒^(−𝑡%×𝑛)
1/ 〖 (1+𝑡%) 〗 ^𝑛 <>𝑒^(−𝑡%×𝑛)
8m
3m
16.800% =( 1 + $F$77)^(200/180)-1
12.551% =( 1 + $F$79)^(180/45) - 1
12.551% =(1 + $F$79)^(6/1.5) - 1
6.045% =(1 + $F$81)^(4/3) - 1
(1)
(2)
TEM 2.914%
1.00%
0.36%
0.19%
0.19%
0.20%
0.10%
0.05%
0.04%
0.01%
0.00%
0.00%
=(1 + D173)^30 - 1
=(1 + D173)^360 - 1
=( 1 + D175)^2 - 1
=( 1 + D175)^24 - 1
=( 1 + D177)^(1/2) - 1
=( 1 + D177)^6 - 1
=(1 + D179)^(1/3) - 1
=( 1 + D179)^4 - 1
=(1 + D181)^(1 / 6) - 1
=(1 + D181)^2 - 1
0.02439981 <> 0.024400 1
0.3354691 <> 0.335469 1
0.0338760 <> 0.033876 1
0.4914935 <> 0.491493 1
"X"
1,512.29 + X
( 1 + 15%)^4
6
4,200
3,517.43
"S" 20,762.63
1.25%
12 "X"
2,500
= 17,730.40
= 16,602.44
( 1 + 1.25%)^X
C x ( 1 + TNA/m)^m = C x ( 1 + TEA)
( 1 + TNA/m)^m = ( 1 + TEA)
TEA = ( 1 + TNA/m)^m - 1
TNA = TNB x 6
Generalizando:
TEA = ( 1 + TNX x n / m)^m - 1
X: n: TNA
Anual 1 x1
Semestral 2 x2
Cuatrimestral 3 x3
Trimestral 4 x4
Bimestral 6 x6
Mensual 12 x12
Quincenal 24 x24
Semanal 52 x52
Diaria 360 x360
Ejemplos:
TNM 1% ---> TNA: 0.12 =S46 * 12
TNQ 0.50% ---> TNA: 0.12 =S47 * 24
TNT 1.50% ---> TNA: 0.06 =S48 * 4
talización Diaria.
Chart Title
0.1505
0.15
0.1495
0.149
0.1485
0.148
0.1475
1 2 3 4 5 6 7 8 9 10
Chart Title
22.50%
22.00%
21.50%
21.00%
20.50%
20.00%
19.50%
19.00%
18.50%
1 2 3 4 5 6 7 8 9 10 11 12
Chart Title
1.20%
1.00%
0.80%
0.60%
0.40%
0.20%
0.00%
1 2 3 4 5 6 7 8 9 10 11
Chart Title
0.1505
0.15
0.1495
0.149
0.1485
0.148
0.1475
1 2 3 4 5 6 7 8 9 10
TEA
22.500%
22.000%
21.500%
21.000%
20.500%
20.000%
19.500%
19.000%
18.500%
1 2 3 4 5 6 7 8 9 10 11 12