CONVERSION DE TASAS NOMINALES EFECTIVAS

Tasa nominal anual 12%

Frecuencia N° de periodo en el año Tasa del periodo Tasa efectiva anual
Diaria 360 0.0333% 12.75%
semnal 51.4285714285714 0.2333% 12.73%
Quincenal 24 0.5000% 12.72%
mensual 12 1.0000% 12.68%
Bimestral 6 2.0000% 12.62%
Trimestral 4 3.0000% 12.55%
Semestral 3 4.0000% 12.49%
Anual 1 12.0000% 12.00%

CONVERSION DE TASAS EFECTIVAS ANUALES A TASAS NOMINALES ANUALES

Tasa nominal anual 55.00%
FrecuenciaN° de periodo en el año Tasa del periodo Tasa nominal anual
Diaria 360 0.1218% 43.85%
semnal 51.4285714285714 0.8558% 44.01%
Quincenal 24 1.8428% 44.23%
mensual 12 3.7196% 44.64%
Bimestral 6 7.5776% 45.47%
Trimestral 4 11.5791% 46.32%
Semestral 3 15.7295% 47.19%
Anual 1 55.0000% 55.00%
%
 PAGOS Y CRONOGRAMAS DE CREDITOS
1 Se solicita un prestamo personal a una IFI que cobra un TEA
de 42.21% el credito sera pagado en 36 meses cada fin de mes y sera por 5000 soles.
A Prestamo 5000
n Plazo de pago 36
TEA Tasa efectiva anual 42.21%
im Interes mensual 2.98%
R Pago mensual 228.27
Pago mensual 228.27

CRONOGRAMA DE PAGOS
N° de pago Pago Deuda Interes Amortizacion
1 228.27 5000 148.90 79.37
2 228.27 4920.63 146.53 81.73
3 228.27 4838.90 144.10 84.17
4 228.27 4754.73 141.59 86.67
5 228.27 4668.06 139.01 89.25
6 228.27 4578.81 136.35 91.91
7 228.27 4486.89 133.62 94.65
8 228.27 4392.25 130.80 97.47
9 228.27 4294.78 127.90 100.37
10 228.27 4194.41 124.91 103.36
11 228.27 4091.05 121.83 106.44
12 228.27 3984.61 118.66 109.61
13 228.27 3875.01 115.40 112.87
14 228.27 3762.14 112.03 116.23
15 228.27 3645.90 108.57 119.69
16 228.27 3526.21 105.01 123.26
17 228.27 3402.95 101.34 126.93
18 228.27 3276.03 97.56 130.71
19 228.27 3145.32 93.67 134.60
20 228.27 3010.72 89.66 138.61
21 228.27 2872.11 85.53 142.74
22 228.27 2729.37 81.28 146.99
23 228.27 2582.39 76.90 151.36
24 228.27 2431.02 72.39 155.87
25 228.27 2275.15 67.75 160.51
26 228.27 2114.64 62.97 165.29
27 228.27 1949.35 58.05 170.22
28 228.27 1779.13 52.98 175.28
29 228.27 1603.85 47.76 180.50
30 228.27 1423.34 42.39 185.88
31 228.27 1237.46 36.85 191.41
32 228.27 1046.05 31.15 197.11
33 228.27 848.93 25.28 202.98
 34 228.27 645.95 19.24 209.03
35 228.27 436.92 13.01 215.25
36 228.27 221.66 6.60 221.66
TOTALES 8217.56 108046.72 3217.56 5000.00
8217.56

2 Se desea comprar un automovil por la suma de US$ 15000. la IFI cobra

una TEA del 8.5% para ser pagado en 24 meses.
cuanto se pagara mensual

A Prestamo 15000
n Plazo de pago 24
TEA Tasa efectiva anual 8.50%
im Interes mensual 0.68%
R Pago mensual 679.68
Pago mensual 679.68

CRONOGRAMA DE PAGOS
N° de pago Pago Deuda Interes Amortizacion
1 679.68 15000 102.32 577.36
2 679.68 14422.64 98.38 581.30
3 679.68 13841.34 94.42 585.26
4 679.68 13256.08 90.43 589.25
5 679.68 12666.83 86.41 593.27
6 679.68 12073.55 82.36 597.32
7 679.68 11476.23 78.29 601.40
8 679.68 10874.83 74.18 605.50
9 679.68 10269.34 70.05 609.63
10 679.68 9659.71 65.89 613.79
11 679.68 9045.92 61.71 617.97
12 679.68 8427.95 57.49 622.19
13 679.68 7805.76 53.25 626.43
14 679.68 7179.32 48.97 630.71
15 679.68 6548.61 44.67 635.01
16 679.68 5913.60 40.34 639.34
17 679.68 5274.26 35.98 643.70
18 679.68 4630.56 31.59 648.09
19 679.68 3982.47 27.17 652.51
20 679.68 3329.95 22.72 656.97
21 679.68 2672.99 18.23 661.45
22 679.68 2011.54 13.72 665.96
23 679.68 1345.58 9.18 670.50
24 679.68 675.08 4.61 675.08
TOTALES 16312.35 1312.35 15000.00
16312.35 16312.35
Saldo
4920.63
4838.90
4754.73
4668.06
4578.81
4486.89
4392.25
4294.78
4194.41
4091.05
3984.61
3875.01
3762.14
3645.90
3526.21
3402.95
3276.03
3145.32
3010.72
2872.11
2729.37
2582.39
2431.02
2275.15
2114.64
1949.35
1779.13
1603.85
1423.34
1237.46
1046.05
848.93
645.95
 436.92
221.66
0.00
103046.72

Saldo
14422.64
13841.34
13256.08
12666.83
12073.55
11476.23
10874.83
10269.34
9659.71
9045.92
8427.95
7805.76
7179.32
6548.61
5913.60
5274.26
4630.56
3982.47
3329.95
2672.99
2011.54
1345.58
675.08
0.00
177384.13