INTERÉS SIMPLE

𝐼 = 𝐶𝑖𝑡 𝑀 =𝐶+𝐼
𝐼 = 𝐶(𝑖1 𝑡1 + 𝑖2 𝑡2 + 𝑖3 𝑡3 + ⋯ + 𝑖𝑚 𝑡𝑚 ) 𝐼 = 𝑖(𝐶1 𝑡1 + 𝐶2 𝑡2 + 𝐶3 𝑡3 + ⋯ + 𝐶𝑚 𝑡𝑚 )
INTERÉS COMPUESTO
𝑀 = 𝐶(1 + 𝑖)𝑛 𝑀 = 𝐶(1 + 𝑖1 )𝑛1 (1 + 𝑖2 )𝑛2 … (1 + 𝑖𝑚 )𝑛𝑚 1 + 𝑖𝑒 = (1 + 𝑖𝑛 )𝑛
DESCUENTO RACIONAL
𝑀𝑖𝑡 𝑀
𝐷= 𝐶= 𝐶 = 𝑀(1 + 𝑖)−𝑛 𝐷 = 𝑀(1 − (1 + 𝑖)−𝑛 )
1 + 𝑖𝑡 1 + 𝑖𝑡
𝑚
𝑀 1 1
𝐶= 𝐷 = 𝑀 [1 − ] 𝑀 = 𝐶 [∏(1 + 𝑖𝑘 )𝑛𝑘 ] 𝐷 = 𝑀 [1 − ]
1+ 𝑚
∑𝑘=1 𝑖𝑘 𝑡𝑘 1 + ∑𝑚
𝑘=1 𝑖𝑘 𝑡𝑘 ∏𝑚
𝑘=1(1 + 𝑖𝑘 )
𝑛𝑘
𝑘=1
DESCUENTO BANCARIO
𝑚 𝐶 = 𝑀(1 − 𝑑)𝑛
𝐷 = 𝑀 ∑(𝑑𝑘 𝑡𝑘 ) 𝐶 = 𝑀(1 − 𝑑𝑡) 𝐷 = 𝑀(1 − (1 − 𝑑)𝑛 )
𝑘=1 𝑀 = 𝐶(1 − 𝑑)−𝑛
𝑚 𝑚 𝑚
𝑛𝑘
𝐷 = 𝑀𝑑𝑡 𝐶 = 𝑀 [1 − ∑(𝑑𝑘 𝑡𝑘 )] 𝐷 = 𝑀 [1 − ∏(1 − 𝑑𝑘 ) ] 𝐶 = 𝑀 [∏(1 − 𝑑𝑘 )𝑛𝑘 ]
𝑘=1 𝑘=1 𝑘=1
DESCUENTO COMERCIAL
𝐷𝑐 = (𝑃𝑉)𝑑 𝑃𝑅 = 𝑃𝑉(1 − 𝑑) 𝐷𝑐 = 𝑃𝑉[1 − (1 − 𝑑1 )(1 − 𝑑2 ) … (1 − 𝑑𝑛 )]
𝑃𝑅𝑛 = 𝑃𝑉[(1 − 𝑑1 )(1 − 𝑑2 ) … (1 − 𝑑𝑛 )]
ANUALIDADES VENCIDAS
(1 + 𝑖)𝑛 − 1 1 − (1 + 𝑖)−𝑛
𝑀 = 𝑑[ ] 𝐶 = 𝑝[ ]
𝑖 𝑖
ANUALIDADES ANTICIPADAS
(1 + 𝑖)𝑛 − 1 1 − (1 + 𝑖)−𝑛
𝑀 = 𝑑(1 + 𝑖) [ ] 𝐶 = 𝑝(1 + 𝑖) [ ]
𝑖 𝑖
ANUALIDADES DIFERIDAS
(1 + 𝑖)𝑛 − 1 (1 + 𝑖)𝑛 − 1
𝑀 = 𝑑[ ] 𝑀 = 𝑑(1 + 𝑖) [ ]
𝑖 𝑖
1 − (1 + 𝑖)−𝑛 1 − (1 + 𝑖)−𝑛
𝐶 = 𝑝[ ] (1 + 𝑖)−𝑘 𝐶 = 𝑝(1 + 𝑖) 1−𝑘
[ ]
𝑖 𝑖
TASAS FINANCIERAS
(1 + 𝑖𝑐 )𝑛 − 1 𝑖
𝑖𝑠 = 𝑑= 𝐼𝑐 = 𝐶[(1 + 𝑖𝑐 )𝑛 − 1]
𝑡 1+𝑖
𝐼𝑚 = 𝐶[(1 + 𝑖𝑚 )𝑛 − 1] 𝐼𝑇𝑀 = 𝐶[(1 + 𝑖𝑐 )𝑛 + (1 + 𝑖𝑚 )𝑛 − 2]
ANUALIDADES CON GRADIENTE ARITMÉTICO
1 − (1 + 𝑖)−𝑛 𝑔 1 − (1 + 𝑖)−𝑛 (1 + 𝑖)𝑛 − 1 𝑔 (1 + 𝑖)𝑛 − 1
𝐶 = 𝑝[ ]+ [ − 𝑛(1 + 𝑖)−𝑛 ] 𝑀 = 𝑑[ ]+ [ − 𝑛]
𝑖 𝑖 𝑖 𝑖 𝑖 𝑖
ANUALIDADES CON GRADIENTE GEOMÉTRICO
𝑔𝑛 (1 + 𝑖)−𝑛 − 1 𝑛𝑝 𝑔𝑛 −(1+𝑖)𝑛
𝐶 = 𝑝[ ] 𝑔 ≠ (1 + 𝑖) 𝐶= 𝑀 = 𝑝[ ] 𝑔 ≠ (1 + 𝑖)
𝑔 − (1 + 𝑖) 𝑔 𝑔−(1+𝑖)

Amortización
periodo saldo interés pago Amortización

Fondo de amortización
periodo interés depósito Incremento importe