Taller Sobre Tasas De Interés

Angie Alexandra Cardoso Minota Id.810554

Luisa Fernanda Tole González Id.812515

Angiely Vanessa Jiménez Cruz Id.808599

Juan Diego Pérez Gaviria Id. 804350

Contaduría Pública, Corporación Universitaria Minuto de Dios

NRC 15-31562 Matemáticas Financiera

MG. Heriberto Martínez roa

6 de marzo 2022
Taller sobre tasas de interes

A partir de la tasa de interés entregada en cada ejercicio, se deben calcular las

siguientes tasas, desarrollando los ejercicios a mano y dejando evidencia del
procedimiento:
Tasa efectiva periódica vencida (mensual, bimestral, trimestral, cuatrimestral,
semestral y anual)
Tasa nominal capitalizable vencida (mensual, bimestral, trimestral,
cuatrimestral y semestral)
Tasa efectiva periódica anticipada (mensual, bimestral, trimestral, cuatrimestral,
semestral y anual)
Tasa nominal anticipada (mensual, bimestral, trimestral, cuatrimestral y
semestral)

Formula:

(ip+1)n=(ip+1)m

1. Tasa del 2,8 % efectiva periódica, trimestral vencida

(ipm+1)12 = (ipm+1)4
(ipm+1)12/12 = (0,028+1)4/12
(ipm+1)1 = (1,028)1/3
imp = (1,028)1/3 -1
imp = 0,9247% Tasa efectiva periódica mensual vencida

(ipb+1)6 = (0,028+1)4
(ipb+1)6/6 = (0,028+1)4/6
(ipb+1)1 = (1,028)2/3
ipb = (1,028)2/3 -1
ipb = 1,858% Tasa efectiva periódica bimestral vencida
(ipc+1)3 = (0,028+1)4
(ipc+1)3/3 = (0,028+1)4/3
(ipc+1)1 = (1,028)4/3
ipc = (1,028)4/3 -1
ipc = 3,751% Tasa efectiva periódica cuatrimestral vencida

(ips+1)2 = (0,028+1)4
(ips+1)2/2 = (0,028+1)4/2
(ips+1)1 = (1,028+1)2/1
ips = (1,028)2/1) -1
ips = 5,678% Tasa efectiva periódica semestral vencida

(ipa+1)1 = (0,028+1)4
(ipa+1) = (0,028+1)4/1
(ipa+1) = (1,028+1)4/1
ipa = (1,020)4/1 -1
ipa= 11,679% Tasa efectiva periódica anual vencida

2. Tasa del 23,92 % nominal capitalizable, cuatrimestral vencida

0.2392
ip= =0.0797 efectiva cuatrimestral vencida.
3

mensual
( 1+ip )n=( 1+ip )m

( ( ))
12 3
12 0.2392
¿ ( 1+ip ) 1+ 12
3

( ( ))
1
0.2392 4
1+ip= 1+
3
 ( ( ))
1
0.2392 4
1+ip= 1+
3

( ( )) −1=0.0193636
1
0.2392 4
ip= 1+
3

0.0193636 efectiva mensual

0.0193636∗12=0.23236∗100=23.236 % tasanominal mensual

Bimestral
( 1+ip )n=( 1+ip )m

( ( ))
6 3
6 0.2392
¿ ( 1+ip ) 1+ 6
3

( ( ))
1
0.2392 2
1+ip= 1+
3

( ( ))
1
0.2392 2
1+ip= 1+
3

( ( )) −1=0.03910217
1
0.2392 2
ip= 1+
3

0.03910217 efectiva bimestral

0.03910217∗6=0.23461∗100=23,961 % tasa nominal bimestral

trimestral

( 1+ip )n=( 1+ip )m

( ( ))
4 3
4 0.2392
¿ ( 1+ip ) 1+ 4
3

( ( ))
3
0.2392 4
1+ip= 1+
3

( ( ))
3
0.2392 4
1+ip= 1+
3
 ( ( )) −1=0.0592229
3
0.2392 4
ip= 1+
3

0.0592229 efectiva trimestral

0.0592229∗4=0.2368∗100=23.689 % tasa nominal trimestral

Semestral

( 1+ip )n=( 1+ip )m

( ( ))
2 3
2 0.2392
¿ ( 1+ip ) 1+ 2
3

( ( ))
3
0.2392 2
1+ip= 1+
3

( ( ))
3
0.2392 2
1+ip= 1+
3

( ( )) −1=0.1219532
3
0.2392 2
ip= 1+
3

0. 1219532 efectiva semestral

0. 1219532∗2=0. 24390∗100=34,390 % tasa nominal semestral

Anual

( 1+ip )n=( 1+ip )m

( ( ))
1 3
1 0.2392
¿ ( 1+ip ) 1+ 1
3

( ( ))
3
0.2392 1
1+ip= 1+
3

( ( ))
3
0.2392 1
1+ip= 1+
3

( ( )) −1=0,2587791
3
0.2392 1
ip= 1+
3
0,2587791 efectiva anual
0,2587791∗1=0,25877∗100=25,877 % tasa nominal anual

3. Tasa del 4,5 % efectiva periódica, semestre anticipado

(ipm+1)12 = (0,045+1)2
(imp+1)12/12 = (0,045+1)2/12
(ipm+1)1 = (1,045)1/6
ipm = (1,045)1/6-1
ipm = 0,736% Tasa efectiva periódica mensual anticipada

(ipb+1)6 = (0,045+1)2
(ipb+1)6/6 = (0,045+1)2/6
(ipb+1)1 = (1,045)1/3
ipb = (1,045)1/3-1
Ipb = 1,478% Tasa efectiva periódica bimestral anticipada

(ipt+1)4 = (0,045+1)2
(ipt+1)4/4 = (0,045+1)2/4
(ipt+1)1 = (1,045)1/2
ipt = (1,045)1/2-1
ipt = 2,225% Tasa efectiva periódica trimestral anticipada

(ipc+1)3 = (0,045+1)2
(ipc+1)3/3 = (0,045+1)2/3
(ipc+1)1 = (1,045+1)2/3
ipc= (1,045+1)2/3-1
ipc = 2,978% Tasa efectiva periódica cuatrimestral anticipada

(ipa+1)1 = (0,045+1)2
(ipa+1)1/1 = (0,045+1)2/1
 (ipa+1)1 = (1,045)2/1
ipa = (1,045)2/1-1
ipa = 9,203% Tasa efectiva periódica anual anticipada

4.Tasa del 35 % nominal capitalizable, mes anticipado

0.35
ip= =0.029 efectiva mensual anticipada.
12

Bimestral

( 1+ip )n=( 1+ip )m

( ( ))
12 6
0.35 6
1+ 6
= (1+ip )
12

( ( ))
2
0.35
1+ =1+ip
12

( ( ))
2
0.35
ip= 1+ −1
12

0.0591840 efectiva bimestral

0.0591840∗6=0.35 .51∗100=35.510 % tasa nominal bimestral

Trimestral

( 1+ip )n=( 1+ip )m

( ( ))
12 4
0.35 4
1+ 4
= (1+ip )
12

( ( ))
3
0.35 1
1+ =1+ip
12

( ( ))
3
0.35 1
ip= 1+ −1=0.0900768
12

0.0900768∗4=0.3603 tasa efectiva trimestral

0.3603∗100=36.030 % tasa nominal trimestral

Cuatrimestral

( 1+ip )n=( 1+ip )m

( ( )) (
12 3
0.35 3
1+ 3
= 1+ip )
12

( ( ))
4
0.35 1
1+ =1+ip
12

( ( ))
4
0.35 1
ip= 1+ −1=0.1218708
12

0.1218708∗3=0.3656124 efectiva cuatrimestral

0.3656124∗100=36.561 tasanominal cuatrimestral

Semestral

( 1+ip )n=( 1+ip )m

( ( ))
12 2
0.35 2
1+ 6
= (1+ip )
12

( ( ))
6
0.35 1
1+ =1+ip
12

( ( ))
6
0.35 1
ip= 1+ −1=0.1882676
12

0.1882676∗2=0.3765 efectiva semestral

0.3765∗100=37.653 % tasa nominal semestral

Anual

( 1+ip )n=( 1+ip )m

( ( ))
12 1
0.35 1
1+ 1
= (1+ip )
12
( ( ))
12
0.35 1
1+ =1+ip
12

( ( ))
12
0.35 1
ip= 1+ −1=0.41197997849
12

0.41197997849∗1=0.41197997849 efectiva anual

0.41197997849∗100=41.197 % tasa nominalanual
Evidencias: