106 8: Ejemplos adicionales
Préstamos e hipotecas
Interés anual simple
Ejemplo. 8QDPLJRQHFHVLWDXQSUpVWDPRSDUDSRQHUHQPDUFKDXQD
HPSUHVD\OHSLGHTXHOHSUHVWHGXUDQWHXQSOD]RGHGtDV/H
SUHVWDHVWDFDQWLGDGDXQLQWHUpVVLPSOHDQXDOGHOTXHVHFDOFXODUi
VREUHXQDEDVHGHGtDV¢4XpLQWHUpVOHGHEHUiDOILQDOGHORVGtDV\
FXiOVHUiODFDQWLGDGWRWDODGHXGDGD"
/DVLJXLHQWHHFXDFLyQVHXWLOL]DSDUDFDOFXODUHOLQWHUpVDQXDOVLPSOHSDUD
XQFDOHQGDULRGHGtDV
,17(5e6
Capitalización continua
/DVLJXLHQWHHFXDFLyQSHUPLWHFDOFXODUXQDWDVDHIHFWLYDGHLQWHUpVFRQ
FDSLWDOL]DFLyQFRQWLQXD
3DUDVROXFLRQDUXQFiOFXORTXHLQFOX\DFDSLWDOL]DFLyQFRQWLQXDGHEH
UHDOL]DUORVVLJXLHQWHVSDVRV
8WLOLFHODHFXDFLyQDQWHULRUSDUDFDOFXODUODWDVDHIHFWLYDDQXDO
3XHGHXWLOL]DUHVWDWDVDHIHFWLYDHQORVFiOFXORVFRQXQSHULRGRDQXDO
3$f23<5 RFRQYHUWLUODSDUDTXHVHDSOLTXHDVXSHULRGR
GHSDJR(QHOVLJXLHQWHHMHPSOR3$f2 GHPRGRTXHGHEHUi
FDOFXODUXQQXHYRYDORUGH120PHGLDQWHODDSOLFDFLyQGH
FRQYHUVLyQGHWDVDVGHLQWHUpVFRQ3$f2
Teclas: Pantalla: Descripción:
0,10
$OPDFHQDHOLQWHUpV
7,40
&DOFXODHOLQWHUpV
DGHXGDGR
457,40
&DOFXODODFDQWLGDGWRWDO
DGHXGDGD
,03257(35
67$02 ,17(5
6
×
3/$=2(1'
$6
×
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÷()
–()
×=
CHAPT_8.FM Page 106 Sunday, June 25, 2000 2:44 PM
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