Ejemplo Suma

1,900
1,100
500
3,500

1,900
1,100
500
3,500

Promedio

Ejemplo Producto
90
10
3
2,700

90
10
3
2,700

5
6
7
6

Ejemplo Contar
Letra A
124
letra c

Contar:
ContarA:
Contar Letra A:

FUNCION CONTAR.SI
Ejemplo CONTAR.SI
0
1
2
0
Mayor que o:

3
6
0
0
4

Ejemplo CONTAR.SI
0
1
2
-2
Menores o iguales a 0:
Iguales a 0:
Mayores que 0:

3
6
5
0
3
2
5

FUNCION BUSCAR
COLOR
Purpura
Ail
Bermelln
Blondo
Celeste
Glauco
Ceroso
Endrino
Pardo

FUNCION DIASEM

5
6
7
6

35
2
3
5
1

Cuantas celdas tienen un valor mayor, igual o menor que cer

VALOR
1.30
2.40
2.50
4.50
6.40
8.90
12.40
20.70
50.60

BUSCAR :
LOS NOMBRES DE LOS COLORES QUE TIENE DE VALOR 4,5
El color con valor
El color con valor
El color con valor ms alto
El color con valor ms bajo

4.5
8.9
50.60
1.30

CON LA FUNCION BUSCAR

Fecha

DIASEM
9/12/2012
1/12/1920
12/1/1934
11/20/1956
12/25/1965
2/5/1996

3
1
6
2
6
1

DA SEMANA
MIERCOLES
LUNES
SABADO
MARTES
SABADO
LUNES

1
2
3
4
5
6
7

FUNCION SI
Ejemplo SI
A
B

Si el valor de A es < > = que B

300
500

b ES MAYOR QUE A

Ejemplo SI
A
B

200
100
a ES MAYOR QUE B
Ejemplo SI

A
B

200
200
SON IGUALES

ayor, igual o menor que cero.

S QUE TIENE DE VALOR 4,5 Y 8,9

Blondo
Glauco
Pardo
Purpura

LA FUNCION BUSCAR

LUNES
MIRCOLES
MARTES
LUNES
MIRCOLES SBADO
JUEVES
MARTES
VIERNES
SBADO
SBADO
LUNES
DOMINGO

PRSTAMO:

90,000 15AOS

i = 11,5%

Clacular la cuota mensual

N de meses que debemos estar pagando
Cantidad total que habremos pagado una vez finalizado el prestamo
La cantidad que se lleva el banco en cuestin de intereses.
Entrada:
Prstamos solicitado:
Tipo de inters anual:
Perodo de amortizacin:

Salida:
90,000.00 Cuota mensual
11.50% N de meses a pagar
15 Total pagado
Total ganancias para el banco

1,051.37
180
189,246.75
99,246.75

FUNCION PAGOINT

Determinar la cantidad de intereses que pagamos y la cantidad que amortizamos en el pirmer ao de la hipoteca en c
pagos mensuales

MES

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27

CUOTA MENSUAL

1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37

CANTIDAD CANTIDAD
CORRESPO
NDIENTE A CORRESPONDIENTE
LA
HIPOTECA INTERES
188.87
190.68
192.51
194.35
196.22
198.10
199.99
201.91
203.85
205.80
207.77
209.76
211.77
213.80
215.85
217.92
220.01
222.12
224.25
226.39
228.56
230.75
232.97
235.20
237.45
239.73
242.03

CANTIDAD
AL

862.50
860.69
858.86
857.02
855.16
853.27
851.38
849.46
847.52
845.57
843.60
841.61
839.60
837.57
835.52
833.45
831.36
829.25
827.13
824.98
822.81
820.62
818.40
816.17
813.92
811.64
809.35

YA PAGADA
DE

LA

HIPOTECA
188.87
379.55
572.06
766.41
962.63
1,160.72
1,360.72
1,562.63
1,766.48
1,972.28
2,180.05
2,389.81
2,601.58
2,815.39
3,031.24
3,249.16
3,469.17
3,691.28
3,915.53
4,141.92
4,370.49
4,601.24
4,834.21
5,069.41
5,306.86
5,546.59
5,788.61

28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78

1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37

244.35
246.69
249.05
251.44
253.85
256.28
258.74
261.22
263.72
266.25
268.80
271.37
273.97
276.60
279.25
281.93
284.63
287.36
290.11
292.89
295.70
298.53
301.39
304.28
307.20
310.14
313.11
316.11
319.14
322.20
325.29
328.41
331.55
334.73
337.94
341.18
344.45
347.75
351.08
354.44
357.84
361.27
364.73
368.23
371.76
375.32
378.92
382.55
386.21
389.92
393.65

807.03
804.68
802.32
799.93
797.52
795.09
792.63
790.16
787.65
785.12
782.57
780.00
777.40
774.77
772.12
769.44
766.74
764.01
761.26
758.48
755.67
752.84
749.98
747.09
744.17
741.23
738.26
735.26
732.23
729.17
726.08
722.96
719.82
716.64
713.43
710.19
706.92
703.62
700.29
696.93
693.53
690.10
686.64
683.14
679.61
676.05
672.45
668.82
665.16
661.46
657.72

6,032.96
6,279.65
6,528.70
6,780.13
7,033.98
7,290.26
7,549.00
7,810.21
8,073.93
8,340.18
8,608.97
8,880.35
9,154.32
9,430.92
9,710.17
9,992.10
10,276.73
10,564.08
10,854.19
11,147.08
11,442.78
11,741.31
12,042.70
12,346.98
12,654.18
12,964.32
13,277.43
13,593.54
13,912.69
14,234.89
14,560.18
14,888.58
15,220.14
15,554.87
15,892.80
16,233.98
16,578.43
16,926.17
17,277.25
17,631.70
17,989.54
18,350.81
18,715.54
19,083.77
19,455.53
19,830.85
20,209.77
20,592.31
20,978.53
21,368.44
21,762.09

79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129

1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37

397.42
401.23
405.08
408.96
412.88
416.84
420.83
424.86
428.94
433.05
437.20
441.39
445.62
449.89
454.20
458.55
462.94
467.38
471.86
476.38
480.95
485.56
490.21
494.91
499.65
504.44
509.27
514.15
519.08
524.06
529.08
534.15
539.27
544.43
549.65
554.92
560.24
565.61
571.03
576.50
582.02
587.60
593.23
598.92
604.66
610.45
616.30
622.21
628.17
634.19
640.27

653.95
650.14
646.29
642.41
638.49
634.53
630.54
626.51
622.44
618.32
614.17
609.99
605.76
601.48
597.17
592.82
588.43
583.99
579.51
574.99
570.42
565.81
561.16
556.46
551.72
546.93
542.10
537.22
532.29
527.32
522.29
517.22
512.10
506.94
501.72
496.45
491.13
485.76
480.34
474.87
469.35
463.77
458.14
452.45
446.71
440.92
435.07
429.16
423.20
417.18
411.10

22,159.52
22,560.75
22,965.83
23,374.79
23,787.67
24,204.50
24,625.33
25,050.20
25,479.13
25,912.18
26,349.38
26,790.76
27,236.38
27,686.26
28,140.46
28,599.01
29,061.95
29,529.34
30,001.20
30,477.58
30,958.53
31,444.08
31,934.29
32,429.20
32,928.85
33,433.29
33,942.56
34,456.72
34,975.80
35,499.85
36,028.93
36,563.08
37,102.35
37,646.78
38,196.43
38,751.35
39,311.59
39,877.20
40,448.23
41,024.73
41,606.75
42,194.35
42,787.59
43,386.50
43,991.16
44,601.62
45,217.92
45,840.13
46,468.30
47,102.49
47,742.76

130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180

1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37
1,051.37

646.41
652.60
658.85
665.17
671.54
677.98
684.48
691.04
697.66
704.34
711.09
717.91
724.79
731.73
738.75
745.83
752.97
760.19
767.47
774.83
782.26
789.75
797.32
804.96
812.68
820.46
828.33
836.26
844.28
852.37
860.54
868.79
877.11
885.52
894.00
902.57
911.22
919.95
928.77
937.67
946.66
955.73
964.89
974.13
983.47
992.89
1,002.41
1,012.02
1,021.71
1,031.51
1,041.39

404.97
398.77
392.52
386.20
379.83
373.39
366.89
360.34
353.71
347.03
340.28
333.46
326.58
319.64
312.62
305.54
298.40
291.18
283.90
276.54
269.12
261.62
254.05
246.41
238.70
230.91
223.04
215.11
207.09
199.00
190.83
182.59
174.26
165.85
157.37
148.80
140.15
131.42
122.60
113.70
104.72
95.64
86.48
77.24
67.90
58.48
48.96
39.36
29.66
19.87
9.98

48,389.17
49,041.77
49,700.62
50,365.79
51,037.33
51,715.31
52,399.79
53,090.82
53,788.48
54,492.83
55,203.92
55,921.83
56,646.62
57,378.35
58,117.10
58,862.92
59,615.90
60,376.09
61,143.56
61,918.39
62,700.65
63,490.40
64,287.72
65,092.68
65,905.36
66,725.82
67,554.15
68,390.41
69,234.69
70,087.06
70,947.60
71,816.38
72,693.50
73,579.01
74,473.02
75,375.59
76,286.81
77,206.76
78,135.53
79,073.20
80,019.85
80,975.58
81,940.47
82,914.60
83,898.07
84,890.96
85,893.37
86,905.39
87,927.10
88,958.61
90,000.00

B11/12: Es el inters mensual

B12*12: Son el nmero de plazos (de meses)
.-B10 : Lo que tenemos que pagar (se pone en negativo)

s en el pirmer ao de la hipoteca en cada uno de los

PENDIENTE

DE PAGAR
89,811.13
89,620.45
89,427.94
89,233.59
89,037.37
88,839.28
88,639.28
88,437.37
88,233.52
88,027.72
87,819.95
87,610.19
87,398.42
87,184.61
86,968.76
86,750.84
86,530.83
86,308.72
86,084.47
85,858.08
85,629.51
85,398.76
85,165.79
84,930.59
84,693.14
84,453.41
84,211.39

83,967.04
83,720.35
83,471.30
83,219.87
82,966.02
82,709.74
82,451.00
82,189.79
81,926.07
81,659.82
81,391.03
81,119.65
80,845.68
80,569.08
80,289.83
80,007.90
79,723.27
79,435.92
79,145.81
78,852.92
78,557.22
78,258.69
77,957.30
77,653.02
77,345.82
77,035.68
76,722.57
76,406.46
76,087.31
75,765.11
75,439.82
75,111.42
74,779.86
74,445.13
74,107.20
73,766.02
73,421.57
73,073.83
72,722.75
72,368.30
72,010.46
71,649.19
71,284.46
70,916.23
70,544.47
70,169.15
69,790.23
69,407.69
69,021.47
68,631.56
68,237.91

67,840.48
67,439.25
67,034.17
66,625.21
66,212.33
65,795.50
65,374.67
64,949.80
64,520.87
64,087.82
63,650.62
63,209.24
62,763.62
62,313.74
61,859.54
61,400.99
60,938.05
60,470.66
59,998.80
59,522.42
59,041.47
58,555.92
58,065.71
57,570.80
57,071.15
56,566.71
56,057.44
55,543.28
55,024.20
54,500.15
53,971.07
53,436.92
52,897.65
52,353.22
51,803.57
51,248.65
50,688.41
50,122.80
49,551.77
48,975.27
48,393.25
47,805.65
47,212.41
46,613.50
46,008.84
45,398.38
44,782.08
44,159.87
43,531.70
42,897.51
42,257.24

41,610.83
40,958.23
40,299.38
39,634.21
38,962.67
38,284.69
37,600.21
36,909.18
36,211.52
35,507.17
34,796.08
34,078.17
33,353.38
32,621.65
31,882.90
31,137.08
30,384.10
29,623.91
28,856.44
28,081.61
27,299.35
26,509.60
25,712.28
24,907.32
24,094.64
23,274.18
22,445.85
21,609.59
20,765.31
19,912.94
19,052.40
18,183.62
17,306.50
16,420.99
15,526.98
14,624.41
13,713.19
12,793.24
11,864.47
10,926.80
9,980.15
9,024.42
8,059.53
7,085.40
6,101.93
5,109.04
4,106.63
3,094.61
2,072.90
1,041.39
0.00

FUNCION TASA
DEVUELVE LA TASA DE INTERS DE UN PRSTAMO EN UN AO
TASA(NPER;PAGO,VA)

NPER: N TOTAL DE PERIODOS DE PAGO EN UNA ANUALIDAD

PAGO: ES EL PAGO EFECTUADO EN CADA PERIODO
VA: CANTIDAD A PAGAR

PEDIMOS EN VARIAS ENTIDADES BANCARIAS UN PRESTAMO DE 18.000

Cada banco ofrece unas condiciones de amortizacin distintas (periodo de amortizacin y cuota mensual a pagar)
Calcular la tasa de inters anual correspondiente a cada uno de los bancos.
Entidad

Prstamo

bancaria
solicitado
BCH
18,000.00
BNP
18,000.00
ATLANTICO
18,000.00
BANESTO
18,000.00
CAJA RURAL
18,000.00
POPULAR
18,000.00
SANTANDER
18,000.00
LA CAIXA
18,000.00
CAJA SUR
18,000.00
CAJA MADRID
18,000.00
BBV
18,000.00

La peor
La mejor

n de meses
cuota mensual
Tasa anual
otorgados por el
banco
otarogada por el banco
240
174
10.02%
120
200
6.02%
36
600
12.25%
48
400
3.20%
96
300
12.75%
120
300
15.86%
156
150
4.21%
180
200
10.59%
72
300
6.20%
180
400
26.11%
60
400
11.96%

26.11% CAJA MADRID

3.20%

#N/A

Calcular el n de propuestas que supera la Tasa Media Anual

Tasa media Anual
n de propuestas que superan la tasa media Anual

10.83% es el Promedio
0

GO EN UNA ANUALIDAD
CADA PERIODO

a mensual a pagar)

s el Promedio