FUNCIONES FINANCIERAS

FUNCION VA - VALOR ACTUAL

Calcula el valor actual de una serie pagos a realizar en el futuro.

=VA(tasa, nm_per, pago, [vf], [tipo])'

tasa (obligatorio): Tasa de inters constante por perodo.

nm_per (obligatorio): Nmero de pagos en el perodo.
pago (obligatorio): Pago realizado cada perodo.
vf (opcional): Valor futuro.
inters
tipo (opcional): Indica el momento inters
inters
de los pagos: 0 = al final del perodo, 1 = al inicio del perod
8% 8%8%
PRESTAMO
CASO 1 s/. -2500 s/. -2500
s/. -2500
? deuda
Se tiene una
31/12/2010
31/12/2011
31/12/2012
01/01/2010

TASA 8%
Nper 3
Pago -2500
VF
tipo 0

Valor Actual S/.6,442.74

inters
CASO 2 6%
Se tiene una prestamo de 5 cuotas con un pago Total de S/ 15000

PRESTAMO ? ? ?
?
31/12/2008
31/12/2009
31/12/2010 31/12/2011 31/12/2012
01/01/2008
TASA 6%
Nper 5
Pago
VF -15000
tipo

Valor Actual S/. 11,208.87

PRESTAMO
inters inters
CASO 3 ? 8% 8%
Se tiene una prestamo de 3 cuotas prepagables
s/. -3455 s/. -3455
s/. -3455

31/12/2011
31/12/2012
01/01/2011

TASA 8%
Nper 3
Pago 3455
VF
tipo 1 TENER EN CUENTA

Valor Actual S/. -9,616.18 S/. -8,903.87

ealizar en el futuro.

al del perodo, 1 = al inicio del perodo.

pago
total

s/. -15000

31/12/2012
FUNCION VF - VALOR FUTURO
Calcula el valor futuro de una inversin de acuerdo al nmero de pagos a realizar y a una tasa

=VF(tasa, nm_per, pago, [va], [tipo])'

tasa (obligatorio): Tasa de inters constante por perodo.

nm_per (obligatorio): Nmero de pagos en el perodo.
pago (obligatorio): Pago realizado cada perodo.
va (opcional): Valor actual.
tipo (opcional): Indica el momento de los pagos: 0 = al final del perodo, 1 = al inicio del perodo.

CASO 1
Se deposita 5400 cada periodo por 5 aos con una tasa de interes del 6% Hallar el Valor Futuro de la Anualidad

Tasa 6%
Nper 5
Pago 5400
va
Tipo 0%

Valor Futuro S/.-30,440.30

 de pagos a realizar y a una tasa de inters constante.

= al inicio del perodo.

% Hallar el Valor Futuro de la Anualidad

 FUNCION PAGO
Calcula el pago mensual de un prstamo basado en pagos constantes y una tasa de inter

PAGO(tasa, nper, va, [vf], [tipo])

tasa (obligatorio): Tasa de inters del prstamo.
nper (obligatorio): Nmero de pagos del prstamo.
va (obligatorio): Valor actual del prstamo valor inicial
vf (opcional): Valor futuro saldo efectivo que se desea lograr despus del ltimo pago
tipo (opcional): Vencimiento de pagos: 0 = final del perodo, 1 = inicio del perodo.

CASO 1
Se solicita un prestamo al Banco de la Nacin por un monto de S/. 30,000 con una tasa de inters d
Determine el monto mensual de los pagos

Tasa 5%
Nper 120
va S/. 30,000.00
vf
Tipo

Pago S/.-1,504.31

CASO 2
Vamos a realizar un prestamo de S/1000, con 6 cuotas de devolucin y 10% de inters
Determine el monto de la cuota

Tasa 10%
Nper 6
va -1000
vf
Tipo
Pago S/.229.61

TABLA DE AMORTIZACION ( FRANCESA)

PERIODO PAGO INTERES

0 0 0
1 S/. 229.61 100
2 S/. 229.61 87.0392619637
3 S/. 229.61 72.7824501238
4 S/. 229.61 57.0999571
5 S/. 229.61 39.8492147737
6 S/. 229.61 20.8733982148
 pagos constantes y una tasa de inters constante.

ograr despus del ltimo pago

do, 1 = inicio del perodo.

to de S/. 30,000 con una tasa de inters del 5% el cual tendria que pagar en 10 aos

devolucin y 10% de inters

AMORTIZACION SALDO
0 1000
S/. 129.61 S/. 870.39
S/. 142.57 S/. 727.82
S/. 156.82 S/. 571.00
S/. 172.51 S/. 398.49
S/. 189.76 S/. 208.73
S/. 208.73 S/. 0.00
Pedro pide un prestamo de 15000 para pagarlo en 3 aos con una tasa de 2.3% determine el pago
-15000 2.30% 36

PERIODO PAGO INTERES AMORTIZACION SALDO

0 0 0 0 15000
1 S/. 617.22 345 S/. 272.22 S/. 14,727.78
2 S/. 617.22 338.739014 S/. 278.48 S/. 14,449.31
3 S/. 617.22 332.334024 S/. 284.88 S/. 14,164.42
4 S/. 617.22 325.781721 S/. 291.44 S/. 13,872.99
5 S/. 617.22 319.078714 S/. 298.14 S/. 13,574.85
6 S/. 617.22 312.221538 S/. 305.00 S/. 13,269.85
7 S/. 617.22 305.206647 S/. 312.01 S/. 12,957.84
8 S/. 617.22 298.030413 S/. 319.19 S/. 12,638.66
9 S/. 617.22 290.689126 S/. 326.53 S/. 12,312.13
10 S/. 617.22 283.17899 S/. 334.04 S/. 11,978.09
11 S/. 617.22 275.49612 S/. 341.72 S/. 11,636.37
12 S/. 617.22 267.636544 S/. 349.58 S/. 11,286.79
13 S/. 617.22 259.596199 S/. 357.62 S/. 10,929.17
14 S/. 617.22 251.370925 S/. 365.85 S/. 10,563.32
15 S/. 617.22 242.95647 S/. 374.26 S/. 10,189.06
16 S/. 617.22 234.348482 S/. 382.87 S/. 9,806.20
17 S/. 617.22 225.542511 S/. 391.67 S/. 9,414.52
18 S/. 617.22 216.534002 S/. 400.68 S/. 9,013.84
19 S/. 617.22 207.318298 S/. 409.90 S/. 8,603.94
20 S/. 617.22 197.890632 S/. 419.33 S/. 8,184.61
21 S/. 617.22 188.24613 S/. 428.97 S/. 7,755.64
22 S/. 617.22 178.379805 S/. 438.84 S/. 7,316.81
23 S/. 617.22 168.286554 S/. 448.93 S/. 6,867.88
24 S/. 617.22 157.961158 S/. 459.26 S/. 6,408.62
25 S/. 617.22 147.398278 S/. 469.82 S/. 5,938.80
26 S/. 617.22 136.592452 S/. 480.62 S/. 5,458.18
27 S/. 617.22 125.538092 S/. 491.68 S/. 4,966.50
28 S/. 617.22 114.229482 S/. 502.99 S/. 4,463.51
29 S/. 617.22 102.660774 S/. 514.56 S/. 3,948.96
30 S/. 617.22 90.8259852 S/. 526.39 S/. 3,422.57
31 S/. 617.22 78.7189964 S/. 538.50 S/. 2,884.07
32 S/. 617.22 66.3335469 S/. 550.88 S/. 2,333.18
33 S/. 617.22 53.6632321 S/. 563.55 S/. 1,769.63
34 S/. 617.22 40.7015 S/. 576.52 S/. 1,193.12
35 S/. 617.22 27.4416481 S/. 589.78 S/. 603.34
36 S/. 617.22 13.8768196 S/. 603.34 S/. -0.00

Maria paga un prestamos de 23000 con una tasa mensaul del 2.1% en 3 aos y medio , ella desea sa
-23000 2.10% 42
PERIODO PAGO INTERES AMORTIZACION SALDO
0 0 0 0 23000
1 S/. 829.54 483 S/. 346.54 S/. 22,653.46
2 S/. 829.54 475.72258 S/. 353.82 S/. 22,299.63
3 S/. 829.54 468.292333 S/. 361.25 S/. 21,938.38
4 S/. 829.54 460.706052 S/. 368.84 S/. 21,569.55
5 S/. 829.54 452.960459 S/. 376.58 S/. 21,192.96
6 S/. 829.54 445.052208 S/. 384.49 S/. 20,808.47
7 S/. 829.54 436.977884 S/. 392.57 S/. 20,415.90
8 S/. 829.54 428.733999 S/. 400.81 S/. 20,015.09
9 S/. 829.54 420.316993 S/. 409.23 S/. 19,605.87
10 S/. 829.54 411.723229 S/. 417.82 S/. 19,188.05
11 S/. 829.54 402.948996 S/. 426.59 S/. 18,761.45
12 S/. 829.54 393.990505 S/. 435.55 S/. 18,325.90
13 S/. 829.54 384.843885 S/. 444.70 S/. 17,881.20
14 S/. 829.54 375.505186 S/. 454.04 S/. 17,427.16
15 S/. 829.54 365.970375 S/. 463.57 S/. 16,963.59
16 S/. 829.54 356.235332 S/. 473.31 S/. 16,490.28
17 S/. 829.54 346.295854 S/. 483.25 S/. 16,007.03
18 S/. 829.54 336.147647 S/. 493.40 S/. 15,513.63
19 S/. 829.54 325.786327 S/. 503.76 S/. 15,009.88
20 S/. 829.54 315.207419 S/. 514.34 S/. 14,495.54
21 S/. 829.54 304.406355 S/. 525.14 S/. 13,970.40
22 S/. 829.54 293.378468 S/. 536.17 S/. 13,434.24
23 S/. 829.54 282.118995 S/. 547.42 S/. 12,886.81
24 S/. 829.54 270.623074 S/. 558.92 S/. 12,327.89
25 S/. 829.54 258.885738 S/. 570.66 S/. 11,757.23
26 S/. 829.54 246.901918 S/. 582.64 S/. 11,174.59
27 S/. 829.54 234.666438 S/. 594.88 S/. 10,579.71
28 S/. 829.54 222.174012 S/. 607.37 S/. 9,972.35
29 S/. 829.54 209.419246 S/. 620.12 S/. 9,352.22
30 S/. 829.54 196.39663 S/. 633.15 S/. 8,719.07
31 S/. 829.54 183.100539 S/. 646.44 S/. 8,072.63
32 S/. 829.54 169.52523 S/. 660.02 S/. 7,412.61
33 S/. 829.54 155.664839 S/. 673.88 S/. 6,738.73
34 S/. 829.54 141.51338 S/. 688.03 S/. 6,050.70
35 S/. 829.54 127.064741 S/. 702.48 S/. 5,348.22
36 S/. 829.54 112.31268 S/. 717.23 S/. 4,630.99
37 S/. 829.54 97.2508261 S/. 732.29 S/. 3,898.70
38 S/. 829.54 81.872673 S/. 747.67 S/. 3,151.03
39 S/. 829.54 66.1715788 S/. 763.37 S/. 2,387.66
40 S/. 829.54 50.1407615 S/. 779.40 S/. 1,608.25
41 S/. 829.54 33.7732971 S/. 795.77 S/. 812.48
42 S/. 829.54 17.062116 S/. 812.48 S/. 0.00

Rosa pide un prestamo de 23000 con tasa mensual del 2.4% para pagarlo en 4 aos .Si en la cuota 30 pide otro p
del cual cancela la deuda anterior y lo adicional invierte, desea saber este ultimo pago sabiendo que trabaja con
del cual cancela la deuda anterior y lo adicional invierte, desea saber este ultimo pago sabiendo que trabaja con
NPER :20
-15000 1.70% 20 -23000 2.40%
S/. 891.01

PERIODO PAGO INTERES AMORTIZACIONSALDO

0 0 0 0 23000
1 S/. 812.16 552 S/. 260.16 ###
2 S/. 812.16 545.756093295 S/. 266.41 ###
3 S/. 812.16 539.362332829 S/. 272.80 ###
4 S/. 812.16 532.815122111 S/. 279.35 ###
5 S/. 812.16 526.110778337 S/. 286.05 ###
6 S/. 812.16 519.245530312 S/. 292.92 ###
7 S/. 812.16 512.215516334 S/. 299.95 ###
8 S/. 812.16 505.016782021 S/. 307.15 ###
9 S/. 812.16 497.645278084 S/. 314.52 ###
10 S/. 812.16 490.096858053 S/. 322.07 ###
11 S/. 812.16 482.367275941 S/. 329.80 ###
12 S/. 812.16 474.452183859 S/. 337.71 ###
13 S/. 812.16 466.347129566 S/. 345.82 ###
14 S/. 812.16 458.047553971 S/. 354.12 ###
15 S/. 812.16 449.548788561 S/. 362.61 ###
16 S/. 812.16 440.846052781 S/. 371.32 ###
17 S/. 812.16 431.934451343 S/. 380.23 ###
18 S/. 812.16 422.80897147 S/. 389.35 ###
19 S/. 812.16 413.46448008 S/. 398.70 ###
20 S/. 812.16 403.895720897 S/. 408.27 ###
21 S/. 812.16 394.097311493 S/. 418.07 ###
22 S/. 812.16 384.063740264 S/. 428.10 ###
23 S/. 812.16 373.789363325 S/. 438.37 ###
24 S/. 812.16 363.268401339 S/. 448.89 ###
25 S/. 812.16 352.494936266 S/. 459.67 ###
26 S/. 812.16 341.462908032 S/. 470.70 ###
27 S/. 812.16 330.166111119 S/. 482.00 ###
28 S/. 812.16 318.598191081 S/. 493.56 ###
29 S/. 812.16 306.752640962 S/. 505.41 ###
30 S/. 812.16 294.622797639 S/. 517.54 ###
31 S/. 812.16 282.201838078 S/. 529.96 ###
32 S/. 812.16 269.482775486 S/. 542.68 ###
33 S/. 812.16 256.458455393 S/. 555.70 ###
34 S/. 812.16 243.121551617 S/. 569.04 S/. 9,561.02
35 S/. 812.16 229.464562151 S/. 582.70 S/. 8,978.33
36 S/. 812.16 215.479804937 S/. 596.68 S/. 8,381.64
37 S/. 812.16 201.159413551 S/. 611.00 S/. 7,770.64
38 S/. 812.16 186.495332771 S/. 625.67 S/. 7,144.97
39 S/. 812.16 171.479314052 S/. 640.68 S/. 6,504.29
40 S/. 812.16 156.102910884 S/. 656.06 S/. 5,848.23
41 S/. 812.16 140.35747404 S/. 671.81 S/. 5,176.42
42 S/. 812.16 124.234146712 S/. 687.93 S/. 4,488.49
43 S/. 812.16 107.723859528 S/. 704.44 S/. 3,784.06
44 S/. 812.16 90.8173254512 S/. 721.35 S/. 3,062.71
45 S/. 812.16 73.5050345569 S/. 738.66 S/. 2,324.05
46 S/. 812.16 55.7772486811 S/. 756.39 S/. 1,567.67
47 S/. 812.16 37.6239959443 S/. 774.54 S/. 793.13
48 S/. 812.16 19.0350651418 S/. 793.13 S/. 0.00
 FLUJO DE CAJA BASICO

MENSUALIDAD 1200

GASTOS
ALIMENTACION 420
CUARTO 200
CURSO 170
PASAJE 72
OCIO 200
1062

PAGO PRIN
S/. 438.84
PAGOINT
S/. 157.96

os y medio , ella desea saber cuanto sera el saldo en la cuota 20

i en la cuota 30 pide otro prestamo de 15000
sabiendo que trabaja con los datos :tasa 1.7%
 48

PERIODO PAGO INTERES AMORTIZACI SALDO

0 0 0 0 15000
1 S/. 891.01 255 S/. 636.01 ###
2 S/. 891.01 244.187867 S/. 646.82 ###
3 S/. 891.01 233.191928 S/. 657.82 ###
4 S/. 891.01 222.009057 S/. 669.00 ###
5 S/. 891.01 210.636078 S/. 680.37 ###
6 S/. 891.01 199.069758 S/. 691.94 ###
7 S/. 891.01 187.306811 S/. 703.70 ###
8 S/. 891.01 175.343894 S/. 715.66 S/. 9,598.68
9 S/. 891.01 163.177607 S/. 727.83 S/. 8,870.85
10 S/. 891.01 150.804493 S/. 740.20 S/. 8,130.65
11 S/. 891.01 138.221037 S/. 752.79 S/. 7,377.86
12 S/. 891.01 125.423661 S/. 765.58 S/. 6,612.28
13 S/. 891.01 112.40873 S/. 778.60 S/. 5,833.68
14 S/. 891.01 99.1725455 S/. 791.84 S/. 5,041.84
15 S/. 891.01 85.7113457 S/. 805.30 S/. 4,236.55
16 S/. 891.01 72.0213055 S/. 818.99 S/. 3,417.56
17 S/. 891.01 58.0985346 S/. 832.91 S/. 2,584.65
18 S/. 891.01 43.9390766 S/. 847.07 S/. 1,737.58
19 S/. 891.01 29.5389078 S/. 861.47 S/. 876.11
20 S/. 891.01 14.8939362 S/. 876.11 S/. 0.00
 TASA

TEA TASA DE INTERES SIMPLE

Pedro pide un prestamo con un TEA del 30% , hallar la tasa mensual

INT.EFECTIVO TASA.NOMINAL
SIMPLE COMPUESTO O PERIODICO
30% TEA TNA 26.53%
TNP 2.21%

CASO2
35% TEA-BIMENSUAL
TNA 5.13%

CASO 3
Pepe pide un prestamo con tasa mensual del 2.1% , ahora el desea pagar trimestralmente
cuanto sera la tasa

TNP 2.10%
TNA 25.2%
TEA 28%
TNA TRIMEST 25.73%
TNP TRIMEST 6.43%
Luchito pide un prestamo de 22000 con una tasamensual de 1.17% en 3aos y medio
si en la cuota 22 el desea pagar bimensaulmente cuanto seria el pago(manteniendo el mismo periodo)

1.70% 42 -22000

PERIODO PAGO INTERES AMORTIZACI SALDO

0 0 0 0 22000
1 S/. 737.13 374 S/. 363.13 ###
2 S/. 737.13 367.826736 S/. 369.31 ###
3 S/. 737.13 361.548526 S/. 375.58 ###
4 S/. 737.13 355.163587 S/. 381.97 ### PERIODO
5 S/. 737.13 348.670104 S/. 388.46 ### 0
6 S/. 737.13 342.066231 S/. 395.07 ### 1
7 S/. 737.13 335.350093 S/. 401.78 ### 2
8 S/. 737.13 328.51978 S/. 408.61 ### 3
9 S/. 737.13 321.573352 S/. 415.56 ### 4
10 S/. 737.13 314.508835 S/. 422.62 ### 5
11 S/. 737.13 307.324221 S/. 429.81 ### 6
12 S/. 737.13 300.017469 S/. 437.12 ### 7
13 S/. 737.13 292.586502 S/. 444.55 ### 8
14 S/. 737.13 285.029208 S/. 452.10 ### 9
15 S/. 737.13 277.34344 S/. 459.79 ### 10
16 S/. 737.13 269.527015 S/. 467.61 ### 11
17 S/. 737.13 261.57771 S/. 475.56 ### 12
18 S/. 737.13 253.493267 S/. 483.64 ### 13
19 S/. 737.13 245.271388 S/. 491.86 ### 14
20 S/. 737.13 236.909737 S/. 500.22 ### 15
21 S/. 737.13 228.405939 S/. 508.73 ### 16
22 S/. 737.13 219.757575 S/. 517.38 ### 17
23 S/. 737.13 210.96219 S/. 526.17 ### 18
24 S/. 737.13 202.017283 S/. 535.12 ### 19
25 S/. 737.13 192.920313 S/. 544.21 ### 20
26 S/. 737.13 183.668694 S/. 553.46 ###
27 S/. 737.13 174.259797 S/. 562.87 S/. 9,687.70
28 S/. 737.13 164.69095 S/. 572.44 S/. 9,115.26
29 S/. 737.13 154.959432 S/. 582.17 S/. 8,533.09
30 S/. 737.13 145.062478 S/. 592.07 S/. 7,941.02
31 S/. 737.13 134.997276 S/. 602.14 S/. 7,338.88
32 S/. 737.13 124.760965 S/. 612.37 S/. 6,726.51
33 S/. 737.13 114.350638 S/. 622.78 S/. 6,103.73
34 S/. 737.13 103.763334 S/. 633.37 S/. 5,470.36
35 S/. 737.13 92.9960467 S/. 644.14 S/. 4,826.22
36 S/. 737.13 82.0457153 S/. 655.09 S/. 4,171.13
37 S/. 737.13 70.9092282 S/. 666.22 S/. 3,504.91
38 S/. 737.13 59.5834209 S/. 677.55 S/. 2,827.36
39 S/. 737.13 48.0650749 S/. 689.07 S/. 2,138.29
40 S/. 737.13 36.350917 S/. 700.78 S/. 1,437.51
41 S/. 737.13 24.4376184 S/. 712.70 S/. 724.81
42 S/. 737.13 12.3217937 S/. 724.81 S/. -0.00
TNP 1.70%
TNA 20.4%
TEA 22%

TNA 20.57%
TNP 3.43% 20

PAGO INTERES AMORTIZACI SALDO

0 0 0 ###
S/. -867.54 425.510737 S/. -442.03 ###
S/. -867.54 410.353969 S/. -457.19 ###
S/. -867.54 394.677491 S/. -472.86 ###
S/. -867.54 378.463482 S/. -489.08 ###
S/. -867.54 361.693511 S/. -505.85 ###
S/. -867.54 344.348515 S/. -523.19 S/. 9,519.34
S/. -867.54 326.408776 S/. -541.13 S/. 8,978.21
S/. -867.54 307.853901 S/. -559.69 S/. 8,418.52
S/. -867.54 288.662798 S/. -578.88 S/. 7,839.65
S/. -867.54 268.813651 S/. -598.73 S/. 7,240.92
S/. -867.54 248.283897 S/. -619.26 S/. 6,621.66
S/. -867.54 227.050198 S/. -640.49 S/. 5,981.17
S/. -867.54 205.088417 S/. -662.45 S/. 5,318.72
S/. -867.54 182.373588 S/. -685.17 S/. 4,633.55
S/. -867.54 158.879891 S/. -708.66 S/. 3,924.89
S/. -867.54 134.580618 S/. -732.96 S/. 3,191.93
S/. -867.54 109.448147 S/. -758.09 S/. 2,433.84
S/. -867.54 83.4539095 S/. -784.09 S/. 1,649.75
S/. -867.54 56.5683552 S/. -810.97 S/. 838.78
S/. -867.54 28.7609221 S/. -838.78 S/. 0.00
FUNCION PAGOINT
Devuelve el inters pagado en un perodo especfico a una tasa de inters constante.

PAGOINT(tasa, perodo, nm_per, va, [vf], [tipo])

tasa (obligatorio): Tasa de inters constante por perodo.

perodo (obligatorio): Perodo para el que se desea calcular el inters.
nm_per (obligatorio): Nmero total de pagos.
va (obligatorio): Valor del prstamo.
vf (opcional): Valor futuro.

CASO 1
Se realiza un prestamo de S/. 25,000 en un plazo de 3 aos con una tasa de inters del 9%
Determine el inters que se pagara el primer mes

Tasa 9%
Periodo a Calcular interes
NumPer
va
vf

Interes mes 1

Determine el inters que se pagara el ultimo ao

Tasa
Periodo a Calcular interes
NumPer
va
vf

Interes ultimo ao
a tasa de inters constante.

una tasa de inters del 9%

FUNCION PAGOPRIN
Calcula el pago a capital de una inversin durante un perodo de tiempo y tasa de inters fija.

PAGOPRIN(tasa, perodo, nm_per, va, [vf], [tipo])

tasa (obligatorio): Tasa de inters por perodo.

perodo (obligatorio): Perodo para el que se desea calcular el pago a capital.
nm_per (obligatorio): Nmero total de pagos.
va (obligatorio): Valor del prstamo.
vf (opcional): Valor futuro.
tipo (opcional): Vencimiento de pagos: 0 = final del perodo, 1 = inicio del perodo.

CASO 1
Se realiza un prestamo de S/. 30,000 en un plazo de 2 aos con una tasa de inters del 10%
Determine el pago principal para el primer mes del prestamo

Tasa de interes
Periodo a Calcular interes
NumPer
va
vf

Interes mes 1

CASO 2
Se realiza un prestamo de S/. 80,000 en un plazo de 10 aos con una tasa de inters del 7%
Determine el pago principal para el primer mes del prestamo

Tasa de interes
Periodo a Calcular interes
NumPer
va
vf
Interes mes 1
rodo de tiempo y tasa de inters fija.

pago a capital.

= inicio del perodo.

n una tasa de inters del 10%

on una tasa de inters del 7%

FUNCION NPER
Devuelve el nmero de perodos de una inversin basndose en pagos peridicos constantes y una ta

NPER(tasa, pago, va, [vf], [tipo])

tasa (obligatorio): Tasa de inters por perodo.

pago (obligatorio): Pago efectuado en cada perodo.
va (obligatorio): Valor actual de una serie de futuros pagos.
vf (opcional): Valor futuro deseado despus del ltimo pago.
tipo (opcional): vencimiento de pagos: 0 = final del perodo, 1 = inicio del perodo.

CASO 2
Se realiza un prestamo de S/1,000 al final de las cuotas recibiremos S/ 1250 con una tasa del 2%
Determine en cuantas cuotas se realizaria dicho pago

TASA 2%
PAGO
VA
VF
TIPO

NPER
peridicos constantes y una tasa de inters constante.

n una tasa del 2%

FUNCION TASA
Devuelve la tasa de inters por perodo de un prstamo o una inversin.

TASA(nm_per, pago, va, [vf], [tipo], [estimar])

nm_per (obligatorio): Nmero de perodos de pago de un prstamo.

pago (obligatorio): Pago efectuado en cada perodo.
va (obligatorio): Valor actual.
vf (opcional): Valor futuro.
tipo (opcional): Indica el momento del pago: 1 = inicio del perodo, 0 = final del perodo.
estimar (opcional): Estimacin de la tasa de inters.

CASO 1
Se desea realizar un prestamo de S/8000 en 4 aos (48 meses) con pago de 300 soles
Determine en cuantas cuotas se realizaria dicho pago de S/500

NPER
PAGO
VA
VF
TIPO
ESTIMAR

TASA MENSUAL
TASA ANUAL
o una inversin.

odo, 0 = final del perodo.

con pago de 300 soles