Ejercicios tasas de interes N

Tasa 8.15% annual

Nper 6 Años
Enganche 25%
Vf 0
Saldo a Financiar Q 262,500.00
Valor Pick Up Q 350,000.00 Q 87,500.00

Pago Q 4,584.62
pago Total Q 330,092.64
Pago Interes Q 67,592.64
Tasa Nominal 7.86%
Tasa Mensual 0.66%

Mes Saldo inicial Pago Interes Amortizacion Saldo Final

1 Q 262,500.00 Q 4,584.62 Q 1,719.49 Q 2,865.13 Q 259,634.87
2 Q 259,634.87 Q 4,584.62 Q 1,700.72 Q 2,883.90 Q 256,750.97
3 Q 256,750.97 Q 4,584.62 Q 1,681.83 Q 2,902.79 Q 253,848.19
4 Q 253,848.19 Q 4,584.62 Q 1,662.82 Q 2,921.80 Q 250,926.38
5 Q 250,926.38 Q 4,584.62 Q 1,643.68 Q 2,940.94 Q 247,985.44
6 Q 247,985.44 Q 4,584.62 Q 1,624.41 Q 2,960.21 Q 245,025.24
7 Q 245,025.24 Q 4,584.62 Q 1,605.02 Q 2,979.60 Q 242,045.64
8 Q 242,045.64 Q 4,584.62 Q 1,585.51 Q 2,999.11 Q 239,046.53
9 Q 239,046.53 Q 4,584.62 Q 1,565.86 Q 3,018.76 Q 236,027.77
10 Q 236,027.77 Q 4,584.62 Q 1,546.09 Q 3,038.53 Q 232,989.23
11 Q 232,989.23 Q 4,584.62 Q 1,526.18 Q 3,058.44 Q 229,930.79
12 Q 229,930.79 Q 4,584.62 Q 1,506.15 Q 3,078.47 Q 226,852.32
13 Q 226,852.32 Q 4,584.62 Q 1,485.98 Q 3,098.64 Q 223,753.68
14 Q 223,753.68 Q 4,584.62 Q 1,465.69 Q 3,118.93 Q 220,634.75
15 Q 220,634.75 Q 4,584.62 Q 1,445.26 Q 3,139.37 Q 217,495.39
16 Q 217,495.39 Q 4,584.62 Q 1,424.69 Q 3,159.93 Q 214,335.46
17 Q 214,335.46 Q 4,584.62 Q 1,403.99 Q 3,180.63 Q 211,154.83
18 Q 211,154.83 Q 4,584.62 Q 1,383.16 Q 3,201.46 Q 207,953.36
19 Q 207,953.36 Q 4,584.62 Q 1,362.19 Q 3,222.43 Q 204,730.93
20 Q 204,730.93 Q 4,584.62 Q 1,341.08 Q 3,243.54 Q 201,487.39
21 Q 201,487.39 Q 4,584.62 Q 1,319.83 Q 3,264.79 Q 198,222.60
22 Q 198,222.60 Q 4,584.62 Q 1,298.45 Q 3,286.17 Q 194,936.43
23 Q 194,936.43 Q 4,584.62 Q 1,276.92 Q 3,307.70 Q 191,628.73
24 Q 191,628.73 Q 4,584.62 Q 1,255.25 Q 3,329.37 Q 188,299.36
25 Q 188,299.36 Q 4,584.62 Q 1,233.44 Q 3,351.18 Q 184,948.18
26 Q 184,948.18 Q 4,584.62 Q 1,211.49 Q 3,373.13 Q 181,575.05
27 Q 181,575.05 Q 4,584.62 Q 1,189.40 Q 3,395.22 Q 178,179.83
28 Q 178,179.83 Q 4,584.62 Q 1,167.16 Q 3,417.46 Q 174,762.37
29 Q 174,762.37 Q 4,584.62 Q 1,144.77 Q 3,439.85 Q 171,322.52
30 Q 171,322.52 Q 4,584.62 Q 1,122.24 Q 3,462.38 Q 167,860.14
31 Q 167,860.14 Q 4,584.62 Q 1,099.56 Q 3,485.06 Q 164,375.07
32 Q 164,375.07 Q 4,584.62 Q 1,076.73 Q 3,507.89 Q 160,867.18
33 Q 160,867.18 Q 4,584.62 Q 1,053.75 Q 3,530.87 Q 157,336.31
34 Q 157,336.31 Q 4,584.62 Q 1,030.62 Q 3,554.00 Q 153,782.32
35 Q 153,782.32 Q 4,584.62 Q 1,007.34 Q 3,577.28 Q 150,205.04
36 Q 150,205.04 Q 4,584.62 Q 983.91 Q 3,600.71 Q 146,604.33
37 Q 146,604.33 Q 4,584.62 Q 960.32 Q 3,624.30 Q 142,980.03
38 Q 142,980.03 Q 4,584.62 Q 936.58 Q 3,648.04 Q 139,331.99
39 Q 139,331.99 Q 4,584.62 Q 912.69 Q 3,671.93 Q 135,660.06
40 Q 135,660.06 Q 4,584.62 Q 888.63 Q 3,695.99 Q 131,964.07
41 Q 131,964.07 Q 4,584.62 Q 864.42 Q 3,720.20 Q 128,243.88
42 Q 128,243.88 Q 4,584.62 Q 840.05 Q 3,744.57 Q 124,499.31
43 Q 124,499.31 Q 4,584.62 Q 815.53 Q 3,769.09 Q 120,730.21
44 Q 120,730.21 Q 4,584.62 Q 790.84 Q 3,793.78 Q 116,936.43
45 Q 116,936.43 Q 4,584.62 Q 765.99 Q 3,818.63 Q 113,117.80
46 Q 113,117.80 Q 4,584.62 Q 740.97 Q 3,843.65 Q 109,274.15
47 Q 109,274.15 Q 4,584.62 Q 715.79 Q 3,868.83 Q 105,405.32
48 Q 105,405.32 Q 4,584.62 Q 690.45 Q 3,894.17 Q 101,511.15
49 Q 101,511.15 Q 4,584.62 Q 664.94 Q 3,919.68 Q 97,591.48
50 Q 97,591.48 Q 4,584.62 Q 639.27 Q 3,945.35 Q 93,646.12
51 Q 93,646.12 Q 4,584.62 Q 613.42 Q 3,971.20 Q 89,674.93
52 Q 89,674.93 Q 4,584.62 Q 587.41 Q 3,997.21 Q 85,677.72
53 Q 85,677.72 Q 4,584.62 Q 561.23 Q 4,023.39 Q 81,654.32
54 Q 81,654.32 Q 4,584.62 Q 534.87 Q 4,049.75 Q 77,604.57
55 Q 77,604.57 Q 4,584.62 Q 508.34 Q 4,076.28 Q 73,528.30
56 Q 73,528.30 Q 4,584.62 Q 481.64 Q 4,102.98 Q 69,425.32
57 Q 69,425.32 Q 4,584.62 Q 454.77 Q 4,129.85 Q 65,295.47
58 Q 65,295.47 Q 4,584.62 Q 427.71 Q 4,156.91 Q 61,138.56
59 Q 61,138.56 Q 4,584.62 Q 400.48 Q 4,184.14 Q 56,954.43
60 Q 56,954.43 Q 4,584.62 Q 373.08 Q 4,211.54 Q 52,742.88
61 Q 52,742.88 Q 4,584.62 Q 345.49 Q 4,239.13 Q 48,503.75
62 Q 48,503.75 Q 4,584.62 Q 317.72 Q 4,266.90 Q 44,236.85
63 Q 44,236.85 Q 4,584.62 Q 289.77 Q 4,294.85 Q 39,942.00
64 Q 39,942.00 Q 4,584.62 Q 261.64 Q 4,322.98 Q 35,619.02
65 Q 35,619.02 Q 4,584.62 Q 233.32 Q 4,351.30 Q 31,267.72
66 Q 31,267.72 Q 4,584.62 Q 204.82 Q 4,379.80 Q 26,887.92
67 Q 26,887.92 Q 4,584.62 Q 176.13 Q 4,408.49 Q 22,479.43
68 Q 22,479.43 Q 4,584.62 Q 147.25 Q 4,437.37 Q 18,042.06
69 Q 18,042.06 Q 4,584.62 Q 118.18 Q 4,466.44 Q 13,575.62
70 Q 13,575.62 Q 4,584.62 Q 88.93 Q 4,495.69 Q 9,079.93
71 Q 9,079.93 Q 4,584.62 Q 59.48 Q 4,525.14 Q 4,554.78
72 Q 4,554.78 Q 4,584.62 Q 29.84 Q 4,554.78 Q 0.00
Ejercicios tasas de interes Nominal y Efectivo
ValorFuturo Fv
Valor Presente PV
Pago PMT
Tasa Interes RATE
Numero Periodos Nper
 Ejemplo 7
Tasa 0.97% mensual Nominal 11.61%
Nper 6 años 72 meses
Vf 2
Vp 1

Anual efectiva 12.25%

 Ejemplo 8
Valor Inicial Q 2,000,000.00
Tasa Interes 8%
Nper 3 meses
Tasa Nomminla 7.72%
Tasa Mensual 0.64%
VF $2,038,853.09

Tasa Nominal 7.77% Trimestral

Tasa Trimestral 1.94%
$2,118,835.23
 Ejemplo 4
Valor Inicial ($3,364,856.67)
Tasa 2% trimestral
Nper 5 años 20 meses
Tasa Nominal 8%
Valor Futuro $ 5,000,000.00

Tasa Efectiva 8.24%

valor inicial ($3,364,856.67)

Valor inicial 1
Valor final 2
Tasa 2% mensual
Nper 35.0027887811 meses
EL NEGATIVO SIEMPRE VA VALOR PRESENTE
El valor futuro siempre va negativo

eperezT1IE.XLS
EJEMPLO 11
VALE MEDIO MILLON
ENGANCHE 30%
5 AñOS
8.50% ANUAL