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He adquirido un Vehiculo
cuyo valor es de
Q.20,000.00, y me
ponen letras de 1,743.69
durante 20 aos, que
tasa me cobran?
A = R 1 - (1+ i)-
i
1 - (1+ i)- = A
i
R
A/R = 20,000/1,743.69
A/R = 11.4699287
1 - (1+ 0.07)- =
10.5940143
0.07
10.5940143
11.4699287
1 - (1+ 0.05)- =
12.4622103
0.05
12.4622103
11.4699287
11.4699287
La tasa es del 6%
A = R 1 - (1+ i)-
i
1 - (1+ i)- = A
i
R
A/R = 500,000/42,500.00
A/R = 11.7647059
1 - (1+0.05)- = 12.4622103
0.05
1 - (1+0.06)- = 11.4699212
0.06
La tasa se encuentra entre el 0.05 y
el 0.06, por lo que tenemos que
seguir ensayando o bien interpolar
0.0070292
S = R (1 + i) -1
i
Despues de ahorrar
durante 15 aos,
depositando 14,163.2000
cada ao, acumule la
cantidad de Q.450,000.00
que tasa me pagaron?
S = R (1+ i) - 1
i
(1+ i) - 1 = S
i R
S/R = 450,000/14,163.20
S/R = 31.7724808
(1+0.09) - 1 =
29.3609162
0.09
31.7724808 no
29.3609162
es
igual
(1+ 0.11) - 1 =
34.4053590
0.11
31.7724808 no
34.4053590
es
igual
(1+ 0.10) - 1 =
31.7724817
0.10
31.7724808 es igual a
31.77248
500,000.00 / 10,000.00 = 50
(1+0.15) -1 = 47.580411
0.15
(1+0.16) 51.659505
0.16
Tratamos de aproximarnos a =
50
(1+0.156) - 1
0.156
= 49.985044
(1+0.1561)
50.0256197
0.1561
Interpolaremos
50 0.156
49.985044
50.026197- 49.985044
0.156
0.014956
0.041153
0.1561-
0.156
0.0001
6,000.00 / 600.00 = 10
1 - (1+0.03)- = 9.954004
0.03
1 - (1+0.025)- = 1 0.257765
0.06
10.257765 - 10
10.257765 9.95400449
0.257765 =
0.3037605
= 0.025 - i
0.025 0.03
0.156
- 0.005
0.8485783 =
i - 0.156
- 0.005
- 0.0042429 = 0.025 - i
i = 0.025 + 0.0042429
i = 0.0292429
(1.0292429) - 1 = 0.4132
0.4132 que es la tasa anual efectiva
de la oferta A
12.8492635
12.75
12.8492635 12.6904871
0.0992635
0.1587765
0.022 -
0.02 0.021667
0.02 i
- 0.0016667
i = 0.210420
(1.0210420) = 0.2837760
0.28.38 es la tasa anual efectiva
Prueba
A =
66.67 x
1 (1.2838760)
(1.2838760)
-1
A = 850.00
Una
persona
me
ofrece
Q.75,000.00
por
una
anualidad
anticipada
de4
Q.25,000.00
cada
ao,
durante 6 aos. Qu tasa
efectiva me esta aplicando en
la operacin?
75,000.00 - 1 =
25,000.00
1 - (1+i)+
i
3 1 = 1 - (1 + 41)
0.41
2 = 1 - (1+41)
2.00138079208
0.41
3 1 = 1 - (1 + 42)
0.42
2 = 1 - (1+42)
0.42
1.968561562326
2 2.00138079208
0.41
1.968561562326 2.00138079208
- 0.00138079208 =
- 0.032819229754
i 0.41
0.01
0.42 0.41
PRUEBA
A = 75,000.00