:Objetivo Resuelto
Para una cuota de
Periodo Saldo Inicial S/.1500.00
Interes la solicitudAmortiz
de Pago Saldo Final
0 crédito debe ser de S/. 9,818.15
1 9,818.15 14,727.22 785.45 S/. 214.55 S/. 1,000.00 9,603.60
2 9,603.60 768.29 S/. 231.71 S/. 1,000.00 9,371.89
3 9,371.89 749.75 S/. 250.25 S/. 1,000.00 9,121.64
4 9,121.64 729.73 S/. 270.27 S/. 1,000.00 8,851.37
5 8,851.37 708.11 S/. 291.89 S/. 1,000.00 8,559.48
6 8,559.48 684.76 S/. 315.24 S/. 1,000.00 8,244.24
7 8,244.24 659.54 S/. 340.46 S/. 1,000.00 7,903.78
8 7,903.78 632.30 S/. 367.70 S/. 1,000.00 7,536.08
9 7,536.08 602.89 S/. 397.11 S/. 1,000.00 7,138.96
10 7,138.96 571.12 S/. 428.88 S/. 1,000.00 6,710.08
11 6,710.08 536.81 S/. 463.19 S/. 1,000.00 6,246.89
12 6,246.89 499.75 S/. 500.25 S/. 1,000.00 5,746.64
13 5,746.64 459.73 S/. 540.27 S/. 1,000.00 5,206.37
14 5,206.37 416.51 S/. 583.49 S/. 1,000.00 4,622.88
15 4,622.88 369.83 S/. 630.17 S/. 1,000.00 3,992.71
16 3,992.71 319.42 S/. 680.58 S/. 1,000.00 3,312.13
17 3,312.13 264.97 S/. 735.03 S/. 1,000.00 2,577.10
18 2,577.10 206.17 S/. 793.83 S/. 1,000.00 1,783.26
19 1,783.26 142.66 S/. 857.34 S/. 1,000.00 925.93
20 925.93 74.07 S/. 925.93 S/. 1,000.00 (0.00)
10,181.85 S/. 9,818.15 S/. 20,000.00
Ejemplo.
Se desea calcular la tasa de interes trimestral de una deuda de 30000, en un periodo de 3 años el cual debe
pagar una cuota trimestral de 3,000.
OBJETIVO: Hallar la tasa de interes trimestral considerando que el cliente paga cada período la suma S/. 3000
Rpta: 12% anual, Trimestral 2.92%
Solicitud de Crédito 30,000.00
Tasa Anual 0%
Tasa Periodica 2.92%
Periodo 12
Cuota trimestral S/. 3,000.00
Periodo Saldo Inicial Interes Amortiz Pago Saldo Final
0 30,000.00
1 30,000.00 876.85 S/.2,123.14 S/. 3,000.00 27,876.86
2 27,876.86 814.80 S/.2,185.20 S/. 3,000.00 25,691.65
3 25,691.65 750.93 S/.2,249.07 S/. 3,000.00 23,442.58
4 23,442.58 685.19 S/.2,314.81 S/. 3,000.00 21,127.78
5 21,127.78 617.53 S/.2,382.47 S/. 3,000.00 18,745.31
6 18,745.31 547.90 S/.2,452.10 S/. 3,000.00 16,293.21
7 16,293.21 476.23 S/.2,523.77 S/. 3,000.00 13,769.44
8 13,769.44 402.46 S/.2,597.54 S/. 3,000.00 11,171.90
9 11,171.90 326.54 S/.2,673.46 S/. 3,000.00 8,498.43
10 8,498.43 248.40 S/.2,751.60 S/. 3,000.00 5,746.83
11 5,746.83 167.97 S/.2,832.03 S/. 3,000.00 2,914.80
12 2,914.80 85.20 S/.2,914.80 S/. 3,000.00 -
5,999.99 S/.30,000.00 S/. 35,999.99
Ejemplo.
Se desea calcular como objetivo el crédito para un cliente de un Banco, el cual debe pagar una cuota mensual
con una TCEA 45%, por un periodo de 2 años
OBJETIVO: Hallar el monto de crédito que permita al cliente pagar cada período la suma S/. 3500
fija al examen
Plazo
16
8
RESOLVER
1. Elaborar cuadro de frecuencias
f2
h3
F4
H5
MINIMO
MAXIMO
MUESTRA(n)
RANGO =MAX()-MIN()
K K=REDONDEAR(1+3.32*LOG(n),0)
TIC R/K REDONDEAR()(Tamaño de Intervalo de clase) = R/K
Titulo
Nro. de clases fi Fi hi % Hi %
fija de examene