IE-541-FIQH-U02E.06 CALCULO DE INTERES NOMINAL Y EFECTIVA (CAT)

Principal Tasa de Interés Trimestre

$35,000.00 0.0389%

8Año 1Semestre 2Trimestre 3Bimestre 4Mes 5Quincena 6Semana 7Diario 8

Num. de Pagos totales 365

A BFinal del Trimestre Interés a pagar por el Trimestre

01 $13.612 $13.623 $13.624 $13.635 $13.636 $13.647 $13.648 $13.659 $13.65

10 $13.6611 $13.6612 $13.6713 $13.67

Pago Unico al Final Pagos Uniformes

14 $13.6815 $13.6916 $13.6917 $13.7018 $13.7019 $13.7120 $13.7121 $13.7222 $13.7223 $13.7324 $13.7325 $13.7426 $13.7427 $13.7528 $13.7529 $13.7630 $13.7731 $13.7732 $13.7833 $13.7834 $13.7935 $13.7936 $13.8037 $13.8038 $13.8139 $13.8140 $13.8241 $13.8242 $13.8343 $13.8444 $13.8445 $13.8546 $13.8547 $13.8648 $13.8649 $13.8750 $13.8751 $13.8852 $13.8853 $13.8954 $13.8955 $13.9056 $13.9157 $13.9158 $13.92

59 $13.9260 $13.9361 $13.9362 $13.9463 $13.9464 $13.9565 $13.9566 $13.9667 $13.9668 $13.9769 $13.9870 $13.9871 $13.9972 $13.9973 $14.0074 $14.0075 $14.0176 $14.0177 $14.0278 $14.0279 $14.0380 $14.0481 $14.0482 $14.0583 $14.0584 $14.0685 $14.0686 $14.0787 $14.0788 $14.0889 $14.0890 $14.0991 $14.1092 $14.1093 $14.1194 $14.1195 $14.1296 $14.1297 $14.1398 $14.1399 $14.14

100 $14.15101 $14.15102 $14.16103 $14.16

104 $14.17105 $14.17106 $14.18107 $14.18108 $14.19109 $14.19110 $14.20111 $14.21112 $14.21113 $14.22114 $14.22115 $14.23116 $14.23117 $14.24118 $14.24119 $14.25120 $14.26121 $14.26122 $14.27123 $14.27124 $14.28125 $14.28126 $14.29127 $14.29128 $14.30129 $14.31130 $14.31131 $14.32132 $14.32133 $14.33134 $14.33135 $14.34136 $14.34137 $14.35138 $14.36139 $14.36140 $14.37141 $14.37142 $14.38143 $14.38144 $14.39145 $14.39146 $14.40147 $14.41148 $14.41

149 $14.42150 $14.42151 $14.43152 $14.43153 $14.44154 $14.45155 $14.45156 $14.46157 $14.46158 $14.47159 $14.47160 $14.48161 $14.48162 $14.49163 $14.50164 $14.50165 $14.51166 $14.51167 $14.52168 $14.52169 $14.53170 $14.54171 $14.54172 $14.55173 $14.55174 $14.56175 $14.56176 $14.57177 $14.58178 $14.58179 $14.59180 $14.59181 $14.60182 $14.60183 $14.61184 $14.61185 $14.62186 $14.63187 $14.63188 $14.64189 $14.64190 $14.65191 $14.65192 $14.66193 $14.67

194 $14.67195 $14.68196 $14.68197 $14.69198 $14.69199 $14.70200 $14.71201 $14.71202 $14.72203 $14.72204 $14.73205 $14.73206 $14.74207 $14.75208 $14.75209 $14.76210 $14.76211 $14.77212 $14.77213 $14.78214 $14.79215 $14.79216 $14.80217 $14.80218 $14.81219 $14.82220 $14.82221 $14.83222 $14.83223 $14.84224 $14.84225 $14.85226 $14.86227 $14.86228 $14.87229 $14.87230 $14.88231 $14.88232 $14.89233 $14.90234 $14.90235 $14.91236 $14.91237 $14.92238 $14.92

239 $14.93240 $14.94241 $14.94242 $14.95243 $14.95244 $14.96245 $14.97246 $14.97247 $14.98248 $14.98249 $14.99250 $14.99251 $15.00252 $15.01253 $15.01254 $15.02255 $15.02256 $15.03257 $15.04258 $15.04259 $15.05260 $15.05261 $15.06262 $15.06263 $15.07264 $15.08265 $15.08266 $15.09267 $15.09268 $15.10269 $15.11270 $15.11271 $15.12272 $15.12273 $15.13274 $15.14275 $15.14276 $15.15277 $15.15278 $15.16279 $15.16280 $15.17281 $15.18282 $15.18283 $15.19

284 $15.19285 $15.20286 $15.21287 $15.21288 $15.22289 $15.22290 $15.23291 $15.24292 $15.24293 $15.25294 $15.25295 $15.26296 $15.27297 $15.27298 $15.28299 $15.28300 $15.29301 $15.30302 $15.30303 $15.31304 $15.31305 $15.32306 $15.32307 $15.33308 $15.34309 $15.34310 $15.35311 $15.35312 $15.36313 $15.37314 $15.37315 $15.38316 $15.38317 $15.39318 $15.40319 $15.40320 $15.41321 $15.41322 $15.42323 $15.43324 $15.43325 $15.44326 $15.44327 $15.45328 $15.46

329 $15.46330 $15.47331 $15.47332 $15.48333 $15.49334 $15.49335 $15.50336 $15.50337 $15.51338 $15.52339 $15.52340 $15.53341 $15.53342 $15.54343 $15.55344 $15.55345 $15.56346 $15.57347 $15.57348 $15.58349 $15.58350 $15.59351 $15.60352 $15.60353 $15.61354 $15.61355 $15.62356 $15.63357 $15.63358 $15.64359 $15.64360 $15.65361 $15.66362 $15.66363 $15.67364 $15.67365 $15.68

ENCONTRAR VALOR SEMANAL DADO UN VALOR PRESENTE CON LOS SIGUIENTES DATOS Principal $35,000

I NOMINAL(SEMANAL)= 0.27%n (semanal por 5 años)=(52)(5)= 260

PROB. VALOR DADOtrimestral $35,000.00

CALCULO DE INTERES NOMINAL Y EFECTIVA (CAT)

Periodo de Capitalizacion Num de Pagos Unidad

365 Trimestre

1246

122452

365 365 Diario

Pago Unico Final Interes Nominal Annual Interes Efectivo Annual (CAT)$0.00 14.1944% 15.2481%

C D ETotal a pagar al final del TrimesPago de final del Trimestre

$35,000.00$35,013.61 $0.00 $35,013.61$35,027.23 $0.00 $35,027.23$35,040.85 $0.00 $35,040.85$35,054.48 $0.00 $35,054.48$35,068.11 $0.00 $35,068.11$35,081.75 $0.00 $35,081.75$35,095.39 $0.00 $35,095.39$35,109.04 $0.00 $35,109.04$35,122.69 $0.00 $35,122.69$35,136.35 $0.00 $35,136.35$35,150.01 $0.00 $35,150.01$35,163.68 $0.00 $35,163.68$35,177.36 $0.00 $35,177.36

$35,191.04 $0.00 $35,191.04$35,204.72 $0.00 $35,204.72$35,218.41 $0.00 $35,218.41$35,232.11 $0.00 $35,232.11$35,245.81 $0.00 $35,245.81$35,259.52 $0.00 $35,259.52$35,273.23 $0.00 $35,273.23$35,286.95 $0.00 $35,286.95$35,300.67 $0.00 $35,300.67$35,314.40 $0.00 $35,314.40$35,328.13 $0.00 $35,328.13$35,341.87 $0.00 $35,341.87$35,355.61 $0.00 $35,355.61$35,369.36 $0.00 $35,369.36$35,383.12 $0.00 $35,383.12$35,396.88 $0.00 $35,396.88$35,410.64 $0.00 $35,410.64$35,424.42 $0.00 $35,424.42$35,438.19 $0.00 $35,438.19$35,451.97 $0.00 $35,451.97$35,465.76 $0.00 $35,465.76$35,479.55 $0.00 $35,479.55$35,493.35 $0.00 $35,493.35$35,507.15 $0.00 $35,507.15$35,520.96 $0.00 $35,520.96$35,534.77 $0.00 $35,534.77$35,548.59 $0.00 $35,548.59$35,562.42 $0.00 $35,562.42$35,576.25 $0.00 $35,576.25$35,590.08 $0.00 $35,590.08$35,603.92 $0.00 $35,603.92$35,617.77 $0.00 $35,617.77$35,631.62 $0.00 $35,631.62$35,645.48 $0.00 $35,645.48$35,659.34 $0.00 $35,659.34$35,673.21 $0.00 $35,673.21$35,687.08 $0.00 $35,687.08$35,700.96 $0.00 $35,700.96$35,714.84 $0.00 $35,714.84$35,728.73 $0.00 $35,728.73$35,742.63 $0.00 $35,742.63$35,756.53 $0.00 $35,756.53$35,770.43 $0.00 $35,770.43$35,784.34 $0.00 $35,784.34$35,798.26 $0.00 $35,798.26

$35,812.18 $0.00 $35,812.18$35,826.11 $0.00 $35,826.11$35,840.04 $0.00 $35,840.04$35,853.98 $0.00 $35,853.98$35,867.92 $0.00 $35,867.92$35,881.87 $0.00 $35,881.87$35,895.82 $0.00 $35,895.82$35,909.78 $0.00 $35,909.78$35,923.75 $0.00 $35,923.75$35,937.72 $0.00 $35,937.72$35,951.69 $0.00 $35,951.69$35,965.67 $0.00 $35,965.67$35,979.66 $0.00 $35,979.66$35,993.65 $0.00 $35,993.65$36,007.65 $0.00 $36,007.65$36,021.65 $0.00 $36,021.65$36,035.66 $0.00 $36,035.66$36,049.68 $0.00 $36,049.68$36,063.70 $0.00 $36,063.70$36,077.72 $0.00 $36,077.72$36,091.75 $0.00 $36,091.75$36,105.79 $0.00 $36,105.79$36,119.83 $0.00 $36,119.83$36,133.87 $0.00 $36,133.87$36,147.93 $0.00 $36,147.93$36,161.98 $0.00 $36,161.98$36,176.05 $0.00 $36,176.05$36,190.11 $0.00 $36,190.11$36,204.19 $0.00 $36,204.19$36,218.27 $0.00 $36,218.27$36,232.35 $0.00 $36,232.35$36,246.44 $0.00 $36,246.44$36,260.54 $0.00 $36,260.54$36,274.64 $0.00 $36,274.64$36,288.75 $0.00 $36,288.75$36,302.86 $0.00 $36,302.86$36,316.98 $0.00 $36,316.98$36,331.10 $0.00 $36,331.10$36,345.23 $0.00 $36,345.23$36,359.36 $0.00 $36,359.36$36,373.50 $0.00 $36,373.50$36,387.65 $0.00 $36,387.65$36,401.80 $0.00 $36,401.80$36,415.96 $0.00 $36,415.96$36,430.12 $0.00 $36,430.12

$36,444.28 $0.00 $36,444.28$36,458.46 $0.00 $36,458.46$36,472.64 $0.00 $36,472.64$36,486.82 $0.00 $36,486.82$36,501.01 $0.00 $36,501.01$36,515.20 $0.00 $36,515.20$36,529.40 $0.00 $36,529.40$36,543.61 $0.00 $36,543.61$36,557.82 $0.00 $36,557.82$36,572.04 $0.00 $36,572.04$36,586.26 $0.00 $36,586.26$36,600.49 $0.00 $36,600.49$36,614.72 $0.00 $36,614.72$36,628.96 $0.00 $36,628.96$36,643.21 $0.00 $36,643.21$36,657.46 $0.00 $36,657.46$36,671.71 $0.00 $36,671.71$36,685.97 $0.00 $36,685.97$36,700.24 $0.00 $36,700.24$36,714.51 $0.00 $36,714.51$36,728.79 $0.00 $36,728.79$36,743.07 $0.00 $36,743.07$36,757.36 $0.00 $36,757.36$36,771.66 $0.00 $36,771.66$36,785.96 $0.00 $36,785.96$36,800.26 $0.00 $36,800.26$36,814.57 $0.00 $36,814.57$36,828.89 $0.00 $36,828.89$36,843.21 $0.00 $36,843.21$36,857.54 $0.00 $36,857.54$36,871.87 $0.00 $36,871.87$36,886.21 $0.00 $36,886.21$36,900.56 $0.00 $36,900.56$36,914.91 $0.00 $36,914.91$36,929.26 $0.00 $36,929.26$36,943.63 $0.00 $36,943.63$36,957.99 $0.00 $36,957.99$36,972.36 $0.00 $36,972.36$36,986.74 $0.00 $36,986.74$37,001.13 $0.00 $37,001.13$37,015.52 $0.00 $37,015.52$37,029.91 $0.00 $37,029.91$37,044.31 $0.00 $37,044.31$37,058.72 $0.00 $37,058.72$37,073.13 $0.00 $37,073.13

$37,087.55 $0.00 $37,087.55$37,101.97 $0.00 $37,101.97$37,116.40 $0.00 $37,116.40$37,130.83 $0.00 $37,130.83$37,145.27 $0.00 $37,145.27$37,159.72 $0.00 $37,159.72$37,174.17 $0.00 $37,174.17$37,188.62 $0.00 $37,188.62$37,203.09 $0.00 $37,203.09$37,217.56 $0.00 $37,217.56$37,232.03 $0.00 $37,232.03$37,246.51 $0.00 $37,246.51$37,260.99 $0.00 $37,260.99$37,275.48 $0.00 $37,275.48$37,289.98 $0.00 $37,289.98$37,304.48 $0.00 $37,304.48$37,318.99 $0.00 $37,318.99$37,333.50 $0.00 $37,333.50$37,348.02 $0.00 $37,348.02$37,362.54 $0.00 $37,362.54$37,377.07 $0.00 $37,377.07$37,391.61 $0.00 $37,391.61$37,406.15 $0.00 $37,406.15$37,420.70 $0.00 $37,420.70$37,435.25 $0.00 $37,435.25$37,449.81 $0.00 $37,449.81$37,464.37 $0.00 $37,464.37$37,478.94 $0.00 $37,478.94$37,493.52 $0.00 $37,493.52$37,508.10 $0.00 $37,508.10$37,522.68 $0.00 $37,522.68$37,537.28 $0.00 $37,537.28$37,551.87 $0.00 $37,551.87$37,566.48 $0.00 $37,566.48$37,581.09 $0.00 $37,581.09$37,595.70 $0.00 $37,595.70$37,610.32 $0.00 $37,610.32$37,624.95 $0.00 $37,624.95$37,639.58 $0.00 $37,639.58$37,654.22 $0.00 $37,654.22$37,668.86 $0.00 $37,668.86$37,683.51 $0.00 $37,683.51$37,698.16 $0.00 $37,698.16$37,712.82 $0.00 $37,712.82$37,727.49 $0.00 $37,727.49

$37,742.16 $0.00 $37,742.16$37,756.84 $0.00 $37,756.84$37,771.52 $0.00 $37,771.52$37,786.21 $0.00 $37,786.21$37,800.91 $0.00 $37,800.91$37,815.61 $0.00 $37,815.61$37,830.31 $0.00 $37,830.31$37,845.03 $0.00 $37,845.03$37,859.74 $0.00 $37,859.74$37,874.47 $0.00 $37,874.47$37,889.19 $0.00 $37,889.19$37,903.93 $0.00 $37,903.93$37,918.67 $0.00 $37,918.67$37,933.42 $0.00 $37,933.42$37,948.17 $0.00 $37,948.17$37,962.93 $0.00 $37,962.93$37,977.69 $0.00 $37,977.69$37,992.46 $0.00 $37,992.46$38,007.23 $0.00 $38,007.23$38,022.01 $0.00 $38,022.01$38,036.80 $0.00 $38,036.80$38,051.59 $0.00 $38,051.59$38,066.39 $0.00 $38,066.39$38,081.19 $0.00 $38,081.19$38,096.00 $0.00 $38,096.00$38,110.82 $0.00 $38,110.82$38,125.64 $0.00 $38,125.64$38,140.47 $0.00 $38,140.47$38,155.30 $0.00 $38,155.30$38,170.14 $0.00 $38,170.14$38,184.98 $0.00 $38,184.98$38,199.83 $0.00 $38,199.83$38,214.68 $0.00 $38,214.68$38,229.55 $0.00 $38,229.55$38,244.41 $0.00 $38,244.41$38,259.29 $0.00 $38,259.29$38,274.16 $0.00 $38,274.16$38,289.05 $0.00 $38,289.05$38,303.94 $0.00 $38,303.94$38,318.84 $0.00 $38,318.84$38,333.74 $0.00 $38,333.74$38,348.64 $0.00 $38,348.64$38,363.56 $0.00 $38,363.56$38,378.48 $0.00 $38,378.48$38,393.40 $0.00 $38,393.40

$38,408.33 $0.00 $38,408.33$38,423.27 $0.00 $38,423.27$38,438.21 $0.00 $38,438.21$38,453.16 $0.00 $38,453.16$38,468.11 $0.00 $38,468.11$38,483.07 $0.00 $38,483.07$38,498.04 $0.00 $38,498.04$38,513.01 $0.00 $38,513.01$38,527.99 $0.00 $38,527.99$38,542.97 $0.00 $38,542.97$38,557.96 $0.00 $38,557.96$38,572.96 $0.00 $38,572.96$38,587.96 $0.00 $38,587.96$38,602.96 $0.00 $38,602.96$38,617.97 $0.00 $38,617.97$38,632.99 $0.00 $38,632.99$38,648.02 $0.00 $38,648.02$38,663.05 $0.00 $38,663.05$38,678.08 $0.00 $38,678.08$38,693.12 $0.00 $38,693.12$38,708.17 $0.00 $38,708.17$38,723.22 $0.00 $38,723.22$38,738.28 $0.00 $38,738.28$38,753.35 $0.00 $38,753.35$38,768.42 $0.00 $38,768.42$38,783.50 $0.00 $38,783.50$38,798.58 $0.00 $38,798.58$38,813.67 $0.00 $38,813.67$38,828.76 $0.00 $38,828.76$38,843.86 $0.00 $38,843.86$38,858.97 $0.00 $38,858.97$38,874.08 $0.00 $38,874.08$38,889.20 $0.00 $38,889.20$38,904.32 $0.00 $38,904.32$38,919.45 $0.00 $38,919.45$38,934.58 $0.00 $38,934.58$38,949.73 $0.00 $38,949.73$38,964.87 $0.00 $38,964.87$38,980.03 $0.00 $38,980.03$38,995.18 $0.00 $38,995.18$39,010.35 $0.00 $39,010.35$39,025.52 $0.00 $39,025.52$39,040.70 $0.00 $39,040.70$39,055.88 $0.00 $39,055.88$39,071.07 $0.00 $39,071.07

$39,086.26 $0.00 $39,086.26$39,101.46 $0.00 $39,101.46$39,116.67 $0.00 $39,116.67$39,131.88 $0.00 $39,131.88$39,147.10 $0.00 $39,147.10$39,162.32 $0.00 $39,162.32$39,177.55 $0.00 $39,177.55$39,192.79 $0.00 $39,192.79$39,208.03 $0.00 $39,208.03$39,223.28 $0.00 $39,223.28$39,238.53 $0.00 $39,238.53$39,253.79 $0.00 $39,253.79$39,269.05 $0.00 $39,269.05$39,284.33 $0.00 $39,284.33$39,299.60 $0.00 $39,299.60$39,314.89 $0.00 $39,314.89$39,330.18 $0.00 $39,330.18$39,345.47 $0.00 $39,345.47$39,360.77 $0.00 $39,360.77$39,376.08 $0.00 $39,376.08$39,391.39 $0.00 $39,391.39$39,406.71 $0.00 $39,406.71$39,422.04 $0.00 $39,422.04$39,437.37 $0.00 $39,437.37$39,452.70 $0.00 $39,452.70$39,468.05 $0.00 $39,468.05$39,483.39 $0.00 $39,483.39$39,498.75 $0.00 $39,498.75$39,514.11 $0.00 $39,514.11$39,529.48 $0.00 $39,529.48$39,544.85 $0.00 $39,544.85$39,560.23 $0.00 $39,560.23$39,575.61 $0.00 $39,575.61$39,591.00 $0.00 $39,591.00$39,606.40 $0.00 $39,606.40$39,621.80 $0.00 $39,621.80$39,637.21 $0.00 $39,637.21$39,652.62 $0.00 $39,652.62$39,668.04 $0.00 $39,668.04$39,683.47 $0.00 $39,683.47$39,698.90 $0.00 $39,698.90$39,714.34 $0.00 $39,714.34$39,729.79 $0.00 $39,729.79$39,745.24 $0.00 $39,745.24$39,760.69 $0.00 $39,760.69

$39,776.16 $0.00 $39,776.16$39,791.62 $0.00 $39,791.62$39,807.10 $0.00 $39,807.10$39,822.58 $0.00 $39,822.58$39,838.07 $0.00 $39,838.07$39,853.56 $0.00 $39,853.56$39,869.06 $0.00 $39,869.06$39,884.56 $0.00 $39,884.56$39,900.07 $0.00 $39,900.07$39,915.59 $0.00 $39,915.59$39,931.11 $0.00 $39,931.11$39,946.64 $0.00 $39,946.64$39,962.18 $0.00 $39,962.18$39,977.72 $0.00 $39,977.72$39,993.26 $0.00 $39,993.26$40,008.82 $0.00 $40,008.82$40,024.38 $0.00 $40,024.38$40,039.94 $0.00 $40,039.94$40,055.51 $0.00 $40,055.51$40,071.09 $0.00 $40,071.09$40,086.67 $0.00 $40,086.67$40,102.26 $0.00 $40,102.26$40,117.86 $0.00 $40,117.86$40,133.46 $0.00 $40,133.46$40,149.07 $0.00 $40,149.07$40,164.68 $0.00 $40,164.68$40,180.30 $0.00 $40,180.30$40,195.92 $0.00 $40,195.92$40,211.56 $0.00 $40,211.56$40,227.19 $0.00 $40,227.19$40,242.84 $0.00 $40,242.84$40,258.49 $0.00 $40,258.49$40,274.14 $0.00 $40,274.14$40,289.81 $0.00 $40,289.81$40,305.47 $0.00 $40,305.47$40,321.15 $0.00 $40,321.15$40,336.83 $40,336.83 $0.00

ENCONTRAR VALOR SEMANAL DADO UN VALOR PRESENTE CON LOS SIGUIENTES DATOS

I n Encontrar Dado0.273% 260 A P

TASA DE INTERES 3.5% TRIMESTRAL COMPUESTO DIARIAMENTE3.5%/90 DIAS = 0.039%CAT SEMANAL 0.29%

FACTOR VALOR A ENCONTRAR0.00538 $188.16 1 PIZZA = $1

188 PIZZA= $188SI SE TIENEN UNA UTILIDAD DE $1 POR PIZZA, ESO SIGNIFICA QUE MINIMO DEBE VENDER POR SEMANA 188 PIZZAS.

1 PIZZA = $1

188 PIZZA= $188SI SE TIENEN UNA UTILIDAD DE $1 POR PIZZA, ESO SIGNIFICA QUE MINIMO DEBE VENDER POR SEMANA 188