TEM 1.00% TEB 3.

00%
TEM 1.0000% TEM 1.4889%
TEB 2.0100% TEB 3.0000%
TET 3.0301% TET 4.5336%
TEC 4.0604% TEC 6.0900%
TES 6.1520% TES 9.2727%
TEA 12.6825% TEA 19.4052%
TE2A 26.9735% TE2A 42.5761%
TE3A 43.0769% TE3A 70.2433%
TEQ 0.4988% TEQ 0.7417%
TESemanal 0.2324% TESemanal 0.3454%
TED 0.0332% TED 0.0493%

TNX1 2%
(sera 12 si el dato es en meses, sera 360 si el dato es el dias) LQQ 12
LQT 1
TNX2 24%

TNA 24.00%
m 12
TEA 26.8242%
 TEX N
1 1.5000% 7
2 2.0000% 8
3 1.0000% 7
4
5
6

N (TEX) 3.6666666666667

TEX 0.094859

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 G. geometrico
C 44590.47 C 366678.53
n 24 n 3
TEX 0.500% TEX 16.040%
G -15%
R 1976.28
R1 187518.11

Anualidad Rk GG
C 220000 R1 125000
R 2800 G 5.0%
TEX 1.000% k 36

n 154.8134 Rk 689501.92

Anualidad

C 244051.65
R 2929.03

n 180.00

TEX 1.0000%
 TEX1 --> TEX2

TET 4.5678% TEC 4.0604% TES 3.00%

TEM 1.5000% TEM 1.0000% TEM 0.4939%
TEB 3.0225% TEB 2.0100% TEB 0.9902%
TET 4.5678% TET 3.0301% TET 1.4889%
TEC 6.1363% TEC 4.0604% TEC 1.9901%
TES 9.3442% TES 6.1520% TES 3.0000%
TEA 19.5616% TEA 12.6825% TEA 6.0900%
TE2A 42.9499% TE2A 26.9735% TE2A 12.5509%
TE3A 70.9132% TE3A 43.0769% TE3A 19.4052%
TEQ 0.7472% TEQ 0.4988% TEQ 0.2466%
TESemanal 0.3480% TESemanal 0.2324% TESemanal 0.1150%
TED 0.0496% TED 0.0332% TED 0.0164%

TNA --> TEX

TEA 26.82% OBS:

TEM 2.0000% Si no nos dan la capitalizacion, m=360
TEB 4.0400%
TET 6.1208%
TEC 8.2432% # meses
TES 12.6162% m
TEA 26.8242%
TE2A 60.8437% # dias
TE3A 103.9887% m
TEQ 0.9950%
 TEM Tasa Efectiva Mensual
TEB Tasa Efectiva Bimestral
TET Tasa Efectiva Trimestral
TEC Tasa Efectiva Cuatrimetral
TES Tasa Efectiva Semestral
=#meses / LQQ TEA Tasa Efectiva Anual
TEQ Tasa Efectiva Quicenal (Bimensual)

TED Tasa Efectiva Diaria

ANUALIDAD VENCIDA

VF Valor Presente
42000 R 500
12 n 3
0.50% TEX 10.000%

44590.47 C 1243.43

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
 G. Aritmentico
C 207697.08
n 12
TEX 1.00%
G 2500

R1 5000.00

Rk GA
R1 125000
G 15620
k 36

Rk 671700.00

OBSERVACION

TEX1 --> TEX2

TEX1 30.00% nf 0
LQQ 20 ni 12
LQT 360 # 1
TEX2 1.4683% n -11
EX2

TEA 14.00% TESemanal 0.07% TED 0.07%

TEM 1.0979% TEM 0.3003% TEM 2.1215%
TEB 2.2078% TEB 0.6016% TEB 4.2879%
TET 3.3299% TET 0.9037% TET 6.5003%
TEC 4.4644% TEC 1.2068% TEC 8.7597%
TES 6.7708% TES 1.8157% TES 13.4232%
TEA 14.0000% TEA 3.7057% TEA 28.6483%
TE2A 29.9600% TE2A 7.5488% TE2A 65.5038%
TE3A 48.1544% TE3A 11.5343% TE3A 112.9177%
TEQ 0.5474% TEQ 0.1501% TEQ 1.0552%
TESemanal 0.2523% TESemanal 0.0700% TESemanal 0.4910%
TED 0.0364% TED 0.0100% TED 0.0700%

nos dan la capitalizacion, m=360

1
12 Caso particular TESemanal y TEA

45 TESemanal 1.00%
8 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
nal (Bimensual)

DAD VENCIDA ANUALIDAD ANTICIPADA

Valor Futuro Valor Presente

R 3000 R 500
n 6 n 3
TEX 0.75% TEX 10.000%

VF 18340.89 C 1367.77

ADIENTES

Perp. Anualidad Perp. Geometrica

R 45343 R 380000
TEX 45% TEX 16%
G 1.50%

C 100762.22 C 2620689.66
 TEQ 6.00%
TEM 12.3600%
TEB 26.2477%
TET 41.8519%
TEC 59.3848%
TES 101.2196%
TEA 304.8935%
TE2A 1539.3872%
TE3A 6537.7715%
TEQ 6.0000%
TESemanal 2.7565%
TED 0.3892%

manal y TEA
D ANTICIPADA

Valor Futuro
R 500
n 3
TEX 10.000%

VF 1820.50

Perp. Aritmetica
R 243435
TEX 5%
G 20

C 4876700.00
TEA 19.1016% TEX1 --> TEX2
TEM 1.4674%
TEB 2.9563% TEA
TET 4.4671% LQQ
TEC 6.0000% LQT
TES 9.1337% TE8M
TEA 19.1016%

Anualidad G. geometrico
R 200000 C
n 2 n
TEX 6.000% TEX
G
C 366678.53
R1
TEX1 --> TEX2

25.00%
8
12
16.0397% =TE8M

G. geometrico
366678.53
3
16.040%
-15%

187518.11
Caso 1 A = B*R + C ---->

Caso 2 A = B*R+ C*R ---->

 TET 4.5678%
TEM 1.5000%
TEB 3.0225%
TET 4.5678%
TEC 6.1363%
TES 9.3442%
TEA 19.5616%

CUOTAS MENSUALES

G. geometrico
R 1
n 30
TEX 1.500%
G 2%

Ca 31.77
5

R = (A-C)/B Financ. = Ca/(1+TEM)^5

R = A/(B+C)
200000 = 29.49

R
 Financ. 200000
Plazo 3 años
Plazo 36 meses

CUOTA BALON

VA (0)
R Valor 15 R
t 36
TEX 1.50%

R Cb 8.78 R
0

a/(1+TEM)^5 + 8.78 R

R + 8.78 R

5226.62
 TEM 1.50%
TEM 1.5000%
TEB 3.0225%
TET 4.5678%
TEC 6.1364%
TES 9.3443%
TEA 19.5618% nf
ni
#
n

G. geometrico Anualidad
R 1000 R
n 6 n
TEX 1.500% TEX
G 3%
Cb
Ca 6134.08035 6
0

Precio = Ca + Cb/(1+TEM)^6 + Cc/(1+

Precio 23740.87
 30 nf 48
9 ni 32
3 # 2
8 n 9

Anualidad G. geometrico
2000 R 1350
8 n 9
4.568% TEX 3.022%
G -5%
13155.29
Cc 8715.302555
30

1+TEM)^6 + Cc/(1+TEM)^30
 TES 12.6162%
TEM 2.0000%
TEB 4.0400%
TET 6.1208%
TEC 8.2432%
TES 12.6162%
TEA 26.8241%

CUOTAS BIMESTRALES

Anualidad
R 1 R
n 17
TEX 4.040%

Ca 12.13 R

140000=𝐶𝑎+𝐶𝑏

140000 = 12.13

R 9279.95
 Financ. 140000
Plazo 3 años
Plazo 36 meses

CUOTA BALON

VA (0)
Valor 56000
t 18
TEX 4.04%

Cb 27452.56

=𝐶𝑎+𝐶𝑏

R + 27452.56
 TEA 19.5618% Financ.
TEM 1.5000% Plazo
TEB 3.0225% Plazo
TET 4.5678%
TEC 6.1363%
TES 9.3443%
TEA 19.5618%

CUOTAS MENSUALES CUOTA BALON

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

Ca 27.08 R Cb

200000=𝐶𝑎+𝐶𝑏
200000 = 27.08 R

R 6306.25
 200000
3 años
36 meses

CUOTA BALON

VA (0)
50000
36
1.50%

29254.50

+ 29254.50
 TEA 12.6162%
TEM 0.9950%
TEB 2.0000%
TET 3.0149%
TEC 4.0400%
TES 6.1208%
TEA 12.6162%

CUOTAS ORDINARIAS

Anualidad
R 1 R
n 42
TEX 2.000%

Ca 28.23 R

70%∗400000=𝐶𝑎+𝐶𝑏

280000 = 28.23 R

R 7289.76

2R 14579.53
 CUOTAS EXTRAORDINARIAS

G. geometrico
R 2 R
n 7
TEX 12.6162%
G 5%

Cb 10.18 R

=𝐶𝑎+𝐶𝑏

+ 10.18 R
 Anualidad Mes 1 Mes 2
R 500
n 5 VA (0) VA (0)
TEX 1.000% Valor 500 Valor
t 1 t
C 2426.72 TEX 1.00% TEX

C 495.05 C

Suma C
 TEB

Hallando el Financiamiento TEM

Mes 5 Mes 10

VA (0) VA (0)
Valor 200000 Valor
t 5 t
TEX 1.00% TEX

C 190339.78 C

Financiamiento 353371.33

Hallando la cuota de repogramacion

TEX1 --> TEX2 G. geometrico

C
TET 5.00% n
LQQ 7 TEX
LQT 3 G
TE7M 12.0577%

R1
Mes 2 Mes 3 Mes 4

VA (0) VA (0) VA (0)

500 Valor 500 Valor 500
2 t 3 t 4
1.00% TEX 1.00% TEX 1.00%

490.15 C 485.30 C 480.49

2426.72
 2.00%

0.9950%

Mes 10

VA (0)
180000
10
1.00%

163031.55

G. geometrico
353371.33
3
12.058%
20%

123064.74
 Mes 5

VA (0)
Valor 500
t 5
TEX 1.00%

C 475.73
 TEA 14.00%
TEM 1.0979%

A TEM 2.00%
B TEM 1.0979%

27000 = 2365.48 + 2450.56

22183.96 = 1.23

X 18021.28
 + 0.66 X + 0.58 X

X
 TEA 19.5618% Financ.
TEM 1.5000% Plazo
TEB 3.0225% Plazo
TET 4.5678%
TEC 6.1363%
TES 9.3443%
TEA 19.5618%

CUOTAS MENSUALES CUOTA BALON

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

Ca 27.08 R Cb

200000=𝐶𝑎+𝐶𝑏
200000 = 27.08 R

R 6306.25
 200000
3 años
36 meses

CUOTA BALON

VA (0)
50000
36
1.50%

29254.50

+ 29254.50
 TEM 1.50%
TEM 1.5000%
TEB 3.0225%
TET 4.5678%
TEC 6.1364%
TES 9.3443%
TEA 19.5618%

Anualidad
R 8000
n 12
TEX 1.500%

Ca 87260.04
0

𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑚𝑖𝑒𝑛𝑡𝑜=𝐶𝑎+ 𝐶𝑏/((1+𝑇
𝐶𝑐/((1+𝑇𝐸𝑀)^36 )

Financiamiento
 G. geometrico G. geometrico
R 10000 R 9000
n 12 n 4
TEX 3.022% TEX 4.568%
G 3% G -2%

Cb 116339.60 Cc 31317.55092
12 36

𝐶𝑎+ 𝐶𝑏/((1+𝑇𝐸𝑀)^12 )+
)

202888.60
 Anualidad
R 200000
n 3
TEX 1.500%

Abono 582440.08

Cta Inicial 100000

D.E 682440.08
 TEA 25.00%
TEM 1.8769%
TEB 3.7891%
TET 5.7371%
TEC 7.7217%
TES 11.8034%
TEA 25.0000%

Anualidad
R 14750
n
TEX 3.789%

Financ. 0.00
 TEA 21.0000% Financ.
TEM 1.6012% Plazo
TEB 3.2280% Plazo
TET 4.8809%
TEC 6.5602%
TES 10.0000%
TEA 21.0000%

CUOTAS BIMESTRALES CUOTA BALON

Anualidad VA (0)
R 1 R Valor
n 25 t
TEX 3.228% TEX

Ca 16.98 R Cb
Mes 8 0

180000=𝐶𝑎/((1+𝑇𝐸𝑀)^8 )+𝐶𝑏

180000 = 14.95 R

R 10413.57
 180000
5 años
60 meses

CUOTA BALON

VA (0)
63000
30
3.23%

24289.23

8 )+𝐶𝑏

+ 24289.23
 TEM 1.00% TEB 4.00%
TEM 1.0000% TEM 1.9804%
TEB 2.0100% TEB 4.0000%
TET 3.0301% TET 6.0596%
TEC 4.0604% TEC 8.1600%
TES 6.1520% TES 12.4864%
TEA 12.6825% TEA 26.5319%
TE2A 26.9735% TE2A 60.1032%
TE3A 43.0769% TE3A 102.5817%
TEQ 0.4988% TEQ 0.9853%
TESemanal 0.2324% TESemanal 0.4586%
TED 0.0332% TED 0.0654%

TNX1 2%
(sera 12 si el dato es en meses, sera 360 si el dato es el dias) LQQ 12
LQT 1
TNX2 24%

TNA 24.00%
m 12
TEA 26.8242%
 TEX N
1 1.5000% 7
2 2.0000% 8
3 1.0000% 7
4
5
6

N (TEX) 3.6666666666667

TEX 0.094859

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 G. geometrico
C 44590.47 C 366678.53
n 24 n 3
TEX 0.500% TEX 16.040%
G -15%
R 1976.28
R1 187518.11

Anualidad Rk GG
C 220000 R1 125000
R 2800 G 5.0%
TEX 1.000% k 36

n 154.8134 Rk 689501.92

Anualidad

C 244051.65
R 2929.03

n 180.00

TEX 1.0000%
 TEX1 --> TEX2

TET 4.5678% TEC 4.0604% TES 3.00%

TEM 1.5000% TEM 1.0000% TEM 0.4939%
TEB 3.0225% TEB 2.0100% TEB 0.9902%
TET 4.5678% TET 3.0301% TET 1.4889%
TEC 6.1363% TEC 4.0604% TEC 1.9901%
TES 9.3442% TES 6.1520% TES 3.0000%
TEA 19.5616% TEA 12.6825% TEA 6.0900%
TE2A 42.9499% TE2A 26.9735% TE2A 12.5509%
TE3A 70.9132% TE3A 43.0769% TE3A 19.4052%
TEQ 0.7472% TEQ 0.4988% TEQ 0.2466%
TESemanal 0.3480% TESemanal 0.2324% TESemanal 0.1150%
TED 0.0496% TED 0.0332% TED 0.0164%

TNA --> TEX

TEA 26.82% OBS:

TEM 2.0000% Si no nos dan la capitalizacion, m=360
TEB 4.0400%
TET 6.1208%
TEC 8.2432% # meses
TES 12.6162% m
TEA 26.8242%
TE2A 60.8437% # dias
TE3A 103.9887% m
TEQ 0.9950%
 TEM Tasa Efectiva Mensual
TEB Tasa Efectiva Bimestral
TET Tasa Efectiva Trimestral
TEC Tasa Efectiva Cuatrimetral
TES Tasa Efectiva Semestral
=#meses / LQQ TEA Tasa Efectiva Anual
TEQ Tasa Efectiva Quicenal (Bimensual)

TED Tasa Efectiva Diaria

ANUALIDAD VENCIDA

VF Valor Presente
42000 R 500
12 n 3
0.50% TEX 10.000%

44590.47 C 1243.43

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
 G. Aritmentico
C 207697.08
n 12
TEX 1.00%
G 2500

R1 5000.00

Rk GA
R1 125000
G 15620
k 36

Rk 671700.00

OBSERVACION

TEX1 --> TEX2

TEX1 30.00% nf 0
LQQ 20 ni 12
LQT 360 # 1
TEX2 1.4683% n -11
EX2

TEA 25.00% TESemanal 0.07% TED 0.07%

TEM 1.8769% TEM 0.3003% TEM 2.1215%
TEB 3.7891% TEB 0.6016% TEB 4.2879%
TET 5.7371% TET 0.9037% TET 6.5003%
TEC 7.7217% TEC 1.2068% TEC 8.7597%
TES 11.8034% TES 1.8157% TES 13.4232%
TEA 25.0000% TEA 3.7057% TEA 28.6483%
TE2A 56.2500% TE2A 7.5488% TE2A 65.5038%
TE3A 95.3125% TE3A 11.5343% TE3A 112.9177%
TEQ 0.9341% TEQ 0.1501% TEQ 1.0552%
TESemanal 0.4300% TESemanal 0.0700% TESemanal 0.4910%
TED 0.0620% TED 0.0100% TED 0.0700%

nos dan la capitalizacion, m=360

1
12 Caso particular TESemanal y TEA

45 TESemanal 1.00%
8 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
nal (Bimensual)

DAD VENCIDA ANUALIDAD ANTICIPADA

Valor Futuro Valor Presente

R 3000 R 500
n 6 n 3
TEX 0.75% TEX 10.000%

VF 18340.89 C 1367.77

ADIENTES

Perp. Anualidad Perp. Geometrica

R 45343 R 380000
TEX 45% TEX 16%
G 1.50%

C 100762.22 C 2620689.66
 TEQ 6.00%
TEM 12.3600%
TEB 26.2477%
TET 41.8519%
TEC 59.3848%
TES 101.2196%
TEA 304.8935%
TE2A 1539.3872%
TE3A 6537.7715%
TEQ 6.0000%
TESemanal 2.7565%
TED 0.3892%

manal y TEA
D ANTICIPADA

Valor Futuro
R 500
n 3
TEX 10.000%

VF 1820.50

Perp. Aritmetica
R 243435
TEX 5%
G 20

C 4876700.00
 TEA 6.00%
TEM 0.4868%
TEB 0.9759%
TET 1.4674%
TEC 1.9613%
TES 2.9563%
TEA 6.0000%

G. geometrico Anualidad
R 600 R
n 12 n
TEX 0.487% TEX
G 5%
Cb
Ca 9228.890829 12
0

VP = Ca + Cb/(1+TEM)^12 + Cc

33267.93 = 9228.89 +

R
 Anualidad G. Aritmentico VA (0)
1 R R 1600 Valor 42000
8 n 6 t 4
1.467% TEX 0.98% TEX 6.00%
G 100
7.50 R
Cc 10714.10 VP 33267.93
36

b/(1+TEM)^12 + Cc/(1+TEM)^36

7.07 R + 8995.76

2127.089
Precio 1250000
Cuota Incial 187500
Financ. 1062500

G. geometrico Rk GG
C 1062500 R1
n 5 G
TEX 8.000% k
G 5%
Rk
R1 242609.06
Rk GG
242609.06
5.0%
5

294892.82
 Anualidad
R 40000
n 4
TEX 3.000%

Abono 148683.94

Cuota Inicial 30000 (dato)

DE 178683.94
Precio 5000
Cuota Incial 1250
Financ. 3750

TES 10.00% TET

TEM 1.6012% TEM

G. geometrico G. geometrico
C 3750 R
n 4 n
TEX 1.601% TEX
G 5% G

R1 906.03 Abono

Utilidad / Perdida 26.91

 4.0000%
1.3159%

G. geometrico
906.03
4
1.316%
5%

3776.905511
 S0 1800000 SOLES

Soles

S0 (s/) 1800000 S0 (s/)

S1 (s/) 1827000 S0 ($ o €)
S1 ($ o €)
S1 (s/)

S1 (s/) 1938981.91 S1 (s/)

S2 (s/) 1977761.55 S1 ($ o €)
S2 ($ o €) 482380.87 S1 ($ o €)
S1 (s/)

S2 (s/) 1977761.55
S2 ($ o €) 482380.87

SOLES
S 1977761.55
C 1800000
n (# de meses) 6
N(TEX) 12

TEX prom 0.207266

DOLARES
S 482380.87
C 456852.79
n (# de meses) 6
N(TEX) 12

TEX prom 0.114879

Dolares/Euros TC MENOR MAYOR
HOY 3.90 3.94
1800000 1ER PERIODO 4.12 4.18
456852.79 2DO PERIODO 4.00 4.10
470626.68
1938981.91 TASA SOLES DOLARES/EUROS
1ER PERIODO 1.50% 2.00%
1938981.91 LQQ 3 3
470626.68 LQT 3 2
481255.39 1.50% 3.01%
1925021.55
2DO PERIODO 2.00% 1.50%
LQQ 3 3
LQT 3 2
2.00% 2.26%

MENSUAL 1
BIMESTRAL 2
TRIMESTRAL 3
CUATRIMESTRAL 4
SEMESTRAL 6
ANUAL 12
 TEB 0.75% VA (0)
TEM 0.3743% VF
TEB 0.7500% t
TET 1.1271% TEX
TEC 1.5056%
TES 2.2669% C
TEA 4.5852%

Bimestre 1 --> 5 Bimestre 6 --> 20

G. geometrico Anualidad
R 2000 R
n 5 n
TEX 0.750% TEX
G -5%
Cb
Ca 8855.451348 5
0 Bimestre
Bimestre

𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑚𝑖𝑒𝑛𝑡𝑜 0=𝐶𝑎+ 𝐶𝑏/((1+𝑇𝐸𝐵)^5 )

𝐶𝑐/((1+𝑇𝐸𝐵)^20 )
34644.60 = 8855.4513 +

25789.15 = 13.62 R

R 629.11
 VA (0)
45000
70
0.37%

34644.60 Financ.

Bimestre 6 --> 20 Bimestre 21 --> 35

Anualidad G. Aritmentico
1 R R 900
15 n 15
0.750% TEX 0.75%
G 75
14.14 R
Cc 19997.36
20
Bimestre

𝑏/((1+𝑇𝐸𝐵)^5 )+

13.62 R + 17221.53

+ 17221.53
TEM 0.65%
TEM 0.6500%
TEB 1.3042%
TET 1.9627%
TEC 2.6255%
TES 3.9639%
TEA 8.0850%

DEPOSITOS RETIROS
G. geometrico Anualidad
R 2500 R
n 24 n
TEX 0.650% TEX
G -4%
Cb
Ca 36486.53578

VP = Ca - Cb

VP 26548.99

VF
Cx 26548.99
t 24
TEX 0.65%

C(n) 31015.50
RETIROS
Anualidad
900
12
1.304%

9937.54

=Depositos - Retiros