TIF

TIPOS DE INTERES FIN

INTERESES SIMPLE

INTERES COMPUESTO

RENTAS O ANUALIDADES
 TIF
TIPOS DE INTERES FINANCIEROS

VALOR PRESENTE

TASA DE INTERES EFECTIVA

VALOR FUTURO

TASA DE INTERES NOMINAL

MENU INTESES SIMPLE

p=2000000
I=22%
N=2
F=P(1+I*N)
 INTERES COMPUESTO

MENU
S COMPUESTO
 MENU VALOR PR

UNA PERSONA NECESITA DISPONER DE 4000000 DE SEIS MESES PARA EL PAGO DE LA MATRICULA DE SU HIJO ,SI S

VP=?
VF=4000000
I=3%
N=6
VP=VF/(1+I)^N
$3,349,937.03
 VALOR PRESENTE

DE LA MATRICULA DE SU HIJO ,SI SU BANCO LE OFRECE UNA TASA DEL 3 % MENSUAL CUANTO DEBE DEPOSITAR HOY
 VALOR FUTURO
MENU

UNA PERSONA TOMA UN PRESTAMO DE 3349937,03 PARA CANCELARLO DENTRO DE SEIS CON UNA

VP=3349937,03
I=3%
N=6
VF=?
VF=VP(1+I)^N
-$4,000,000.00
 VALOR FUTURO

ARLO DENTRO DE SEIS CON UNA TASA DE INTERES DEL 3 % CUANTO LE TOCARA PAGAR A EL FINAL DEL PERIODO
RIODO
MENU

Convertir una tasa efectiva del 8 % mensual en otra tasa efectiva anual eq

dada una tasa del 9 % mensual anticipada (mensual pagadera por meses a

I=9% mensual anticipada

I=? Mensual efectiva
 TASA DE INTERES EFECTIVA

tasa efectiva del 8 % mensual en otra tasa efectiva anual equivalente

del 9 % mensual anticipada (mensual pagadera por meses anticipados )encontrar una tasa mensual efectiva equivalente (mensual pagader

I=I.a/(1-ia)
I=0.09/(1-0.09)
I=0.989
quivalente (mensual pagadera por meses vencidos ).
MENU

A partir de una tasa 36 % anual con capitalizacion mensual ve

I=36% anual por meses vencidos

I=? Efectiva anual

I=J/m = 0.36 /2 = 3 mensual x meses vencidos

0.42576089
 TASA DE INTERES NOMINAL

partir de una tasa 36 % anual con capitalizacion mensual vencida calcular la tasa efectiva anual.

=36% anual por meses vencidos

=? Efectiva anual

=J/m = 0.36 /2 = 3 mensual x meses vencidos

 RENTAS O ANUALIDADES

MENU

MESES SALDO I
1 25000000
2 $24,740,164.31
3 $24,476,431.09
4 $24,208,741.87
5 $23,937,037.32
VP= 25000000 6 $23,661,257.19
N= 60 7 $23,381,340.36
I= 1.50% 8 $23,097,224.78
R= ? 9 $22,808,847.47
10 $22,516,144.49
11 $22,219,050.98
12 $21,917,501.06
13 $21,611,427.89
14 $21,300,763.62
15 $20,985,439.39
16 $20,665,385.29
17 $20,340,530.39
18 $20,010,802.66
19 $19,676,129.01
20 $19,336,435.26
21 $18,991,646.10
22 $18,641,685.11
23 $18,286,474.70
24 $17,925,936.13
25 $17,559,989.49
26 $17,188,553.65
27 $16,811,546.27
28 $16,428,883.77
29 $16,040,481.35
30 $15,646,252.88
31 $15,246,110.99
32 $14,839,966.97
33 $14,427,730.79
34 $14,009,311.06
34 $13,584,615.04
36 $13,153,548.58
37 $12,716,016.13
38 $12,271,920.68
39 $11,821,163.81
40 $11,363,645.58
41 $10,899,264.58
42 $10,427,917.86
43 $9,949,500.94
44 $9,463,907.77
45 $8,971,030.70
46 $8,470,760.47
47 $7,962,986.20
48 $7,447,595.30
49 $6,924,473.55
50 $6,393,504.96
51 $5,854,571.85
52 $5,307,554.75
53 $4,752,332.38
54 $4,188,781.68
55 $3,616,777.72
56 $3,036,193.70
57 $2,446,900.92
58 $1,848,768.75
59 $1,241,664.59
60 $625,453.88
CUOTA INTERESES AMORTIZACION
$634,835.69 375000
$634,835.69 371102.465
$634,835.69 367146.466
$634,835.69 363131.128
$634,835.69 359055.56
$634,835.69 354918.858
$634,835.69 350720.105
$634,835.69 346458.372
$634,835.69 342132.712
$634,835.69 337742.167
$634,835.69 333285.765
$634,835.69 328762.516
$634,835.69 324171.418
$634,835.69 319511.454
$634,835.69 314781.591
$634,835.69 309980.779
$634,835.69 305107.956
$634,835.69 300162.04
$634,835.69 295141.935
$634,835.69 290046.529
$634,835.69 284874.692
$634,835.69 279625.277
$634,835.69 274297.12
$634,835.69 268889.042
$634,835.69 263399.842
$634,835.69 257828.305
$634,835.69 252173.194
$634,835.69 246433.257
$634,835.69 240607.22
$634,835.69 234693.793
$634,835.69 228691.665
$634,835.69 222599.505
$634,835.69 216415.962
SALDO F
$259,835.69 $24,740,164.31
$263,733.22 $24,476,431.09
$267,689.22 $24,208,741.87
$271,704.56 $23,937,037.32
$275,780.13 $23,661,257.19
$279,916.83 $23,381,340.36
$284,115.58 $23,097,224.78
$288,377.31 $22,808,847.47
$292,702.97 $22,516,144.49
$297,093.52 $22,219,050.98
$301,549.92 $21,917,501.06
$306,073.17 $21,611,427.89
$310,664.27 $21,300,763.62
$315,324.23 $20,985,439.39
$320,054.09 $20,665,385.29
$324,854.91 $20,340,530.39
$329,727.73 $20,010,802.66
$334,673.65 $19,676,129.01
$339,693.75 $19,336,435.26
$344,789.16 $18,991,646.10
$349,960.99 $18,641,685.11
$355,210.41 $18,286,474.70
$360,538.57 $17,925,936.13
$365,946.64 $17,559,989.49
$371,435.84 $17,188,553.65
$377,007.38 $16,811,546.27
$382,662.49 $16,428,883.77
$388,402.43 $16,040,481.35
$394,228.47 $15,646,252.88
$400,141.89 $15,246,110.99
$406,144.02 $14,839,966.97
$412,236.18 $14,427,730.79
$418,419.72 $14,009,311.06
$634,835.69 210139.666 $424,696.02 $13,584,615.04
$634,835.69 203769.226 $431,066.46 $13,153,548.58
$634,835.69 197303.229 $437,532.46 $12,716,016.13
$634,835.69 190740.242 $444,095.44 $12,271,920.68
$634,835.69 184078.81 $450,756.88 $11,821,163.81
$634,835.69 177317.457 $457,518.23 $11,363,645.58
$634,835.69 170454.684 $464,381.00 $10,899,264.58
$634,835.69 163488.969 $471,346.72 $10,427,917.86
$634,835.69 156418.768 $478,416.92 $9,949,500.94
$634,835.69 149242.514 $485,593.17 $9,463,907.77
$634,835.69 141958.617 $492,877.07 $8,971,030.70
$634,835.69 134565.46 $500,270.23 $8,470,760.47
$634,835.69 127061.407 $507,774.28 $7,962,986.20
$634,835.69 119444.793 $515,390.89 $7,447,595.30
$634,835.69 111713.93 $523,121.76 $6,924,473.55
$634,835.69 103867.103 $530,968.58 $6,393,504.96
$634,835.69 95902.5745 $538,933.11 $5,854,571.85
$634,835.69 87818.5778 $547,017.11 $5,307,554.75
$634,835.69 79613.3212 $555,222.36 $4,752,332.38
$634,835.69 71284.9857 $563,550.70 $4,188,781.68
$634,835.69 62831.7252 $572,003.96 $3,616,777.72
$634,835.69 54251.6658 $580,584.02 $3,036,193.70
$634,835.69 45542.9055 $589,292.78 $2,446,900.92
$634,835.69 36703.5138 $598,132.17 $1,848,768.75
$634,835.69 27731.5312 $607,104.15 $1,241,664.59
$634,835.69 18624.9689 $616,210.72 $625,453.88
$634,835.69 9381.80816 $625,453.88 $0.00
|