Tasa de Interés

 

 

QOVWNANI DJANIDJC HO JRVODHNPJ@O

KNAVIQIGX O]AOC GNDJDANOVI

OCJFIVJANID HO A_JHVIQ ^ XJFCJQ GNDJDANOVJQ OD KNAVIQIGX O]AOC

AIDAORXIQ GNDJDANOVIQ

Rrosodtj0 CNCNJDJ RJICJ VNWOVJ RICI

Fjrrjdqunccj - Jtcêdtnai

 

 

Xjfcj ho aidtodnhi

RVOQODXJANID .............................................................................................................................................. 1 OC WJCIV HOC HNDOVI OD OC XNOKRI ................................................................................................... 1 XJQJ HO NDXOVOQ .......................................................................................................................................... 1  DÐKOVI HO ROVËIHIQ.................. .................................... ................................... .................................. ................................... ................................... ................................... ....................... ..... 1

WJCIV RVOQODXO ......................................................................................................................................... 8 WJCIV G_X_VI ............................................................................................................................................. 8 NDXOVOQ QNKRCO ............................................................................................................................................ 8 ACJQOQ HO NDXOVOQ QNKRCO .................................................................................................................. 8 j.

Ndtorîs irhndjrni aid tnokpi oxjati. ................. ................................... ................................... .................................. ................................... ............................. ........... ?

 f.

Ndtorîs irhndjrni aid tn tnokpi okpi jprixnkjhi................ ................................. ................................... ................................... ................................... ....................... ..... ?

a.

Ndtorîs oxjati aid tnokpi oxjati ................ .................................. ................................... ................................... .................................... .................................. ................ ?

h.

Ndtorîs oxjati aid tnokpi jprixnkjhi ................. ................................... ................................... .................................. ................................... .......................... ........ ?

NDXOVOQ AIKR_OQXI .................................................................................................................................. ? Rorëihi ho ajpntjcnzjanñd................................................................................................................................ ? OA_JANIDOQ HO WJCIV .............................................................................................................................. 7 JRCNAJANIDOQ AID O]AOC GNDJDANOVI ................. ................................... ................................... .................................. ................................... .......................... ........ <

 

RVOQODXJANID Hosho su jpjrnanñd oc hndori os pjrto nkpirtjdto ho cj vnhj hoc mikfro y mj trjtjhi ho utncnzjrci ho cj kjdorj kês ñptnkj y jhoaujhj5 pori miy pir cj lcifjcnzjanñd ho cj oaidikëj mj jhqunrnhi udj nkpirtjdanj rocovjdto, yj quo tihjs cjs trjdsjaanidos so rojcnzj j trjvîs hoc usi hoc hndori, pir osi os aidvodnodto quo so sopj kjdo`jr pjrj quo lodoro cis kêxnkis fodognanis y so jprivoamo j su kêxnkj utncnhjh5 utncnhjh5 pir ci quo os nkpirtjdto aikprodhor ho kjdorj acjrj añki oc hndori puoho ljdjr i porhor i ajkfnjr ho vjcir od o d oc tnokpi, hofnhi j godñkodis aiki cj cis ndgcjanñd y hovjcujanñd, pir ci aujc os rocovjdto ro covjdto usjrosy okpcoi aidoaidñknais acjrnhjh y proansnñd aidaoptis ho cjs kjtokêtnajs gndjdanorjs. Jhokês, nkpirtjdto oc kjdo`i ho cjs kjtokêtnajs gndjdanorjs yj quo cj oaidikëj ho ud pjës, so fjsj od hngorodtos iporjanidos gndjdanorjs y quo pjrj tikjr udj hoansnñd jaortjhj, os doaosjrni o ndhnspodsjfco todor od auodtj quo j trjvîs hoc tnokpi oc vjcir hoc hndori puoho todor vjrnjanidos.

OC WJCIV HOC HNDOVI OD OC XNOKRI  Oc supuosti fêsnai os quo oc hndori jukodtj su vjcir od oc tnokpi. Osti snldngnaj quo udj ajdtnhjh hotorkndjhj quo so roanfnrê od oc guturi vjco kodis quo cj knskj ajdtnhjh od oc prosodto. Kuamis arood quo cjs hngorodanjs od oc vjcir hoc hndori od hngorodtos kikodtis hoc tnokpi so hofod j cj ndgcjanñd y cj sufsoauodto pîrhnhj hoc pihor jhqunsntnvi. Od rojcnhjh, ndacusi sndi mufnorj ndgcjanñd, oc hndori guturi vjchrëj kodis quo oc prosodto. Osti so hofo j cj progorodanj ho cis aidsuknhiros pir oc aidsuki airrnodto aidtrj oc aidsuki guturi y cj pisnfncnhjh ho ndvortnr cis roaursis od priyoatis quo tnodod ud rodhnknodti rojc

XJQJ HO NDXOVOQ  Cj tjsj ho ndtorîs knho oc vjcir ho cis ndtorosos od piraodtj`o pjrj ud porëihi ho tnokpi tno kpi hotorkndjhi. Os oc vjcir quo so gn`j od cj udnhjh ho tnokpi quo so ndvnortod i so tikjd od ajcnhjh ho prîstjki. Cj tjsj ho ndtorîs hopodho ho cj igortj y cj hokjdhj. Cj igortj ho hndori (ho gidhis prostjfcos) hopodho ho cjs progorodanjs pir oc aidsuki prosodto aidtrj oc aidsuki guturi. Oc ndtorîs os oc pjli pir oc usi hoc hndori Cj tjsj ho ndtorîs pjsnvj os cj tjsj quo oc fjdai Rjlj j sus hop isntjdtos. hopisntjdtos. Cj tjsj ho ndtorîs jatnvj os cj tjsj quo oc fjdai Aifrj j sus houhiros. 

DÐKOVI HO ROVËIHIQ  Oc dðkori ho porëihis os oc tnokpi quo trjdsaurro, odtro cj goamj ho dolianjanñd (vodtj) y cj goamj ho vodanknodti. Oc dðkori ho pornihis quo mjy od ud júi so roprosodtj pir k y roprosodtj oc dðkori ho voaos quo oc ndtorîs so ajpntjcnzj hurjdto ud júi y so co hodikndj groauodanj ho aidvorsnñd i groauodanj ho ajpntjcnzjanñd.

 

WJCIV RVOQODXO Oc vjcir prosodto mjao rogorodanj jc vjcir quo tnodo miy udj ajdtnhjh ho hndori quo roanfnrokis od oc guturi. Qo trjtj ho udj gñrkucj quo dis porkntnrê sjfor quî vjcir ho miy todhrê udj hotorkndjhj ajdtnhjh ho hndori quo roanfnrokis kês jhocjdto. Gñrkucj hoc vjcir prosodto Qupidljkis quo roanfnrokis ud kidti ho hndori od oc guturi (d júis od oc guturi i d porëihis od oc guturi) y duostrj tjsj ho hosauodti os ho r%, cj quo rogco`j duostri aisto ho ipirtudnhjh. Cuoli, oc vjcir  prosodto os0 WR; Gd/(:+r) ⁹

WJCIV G_X_VI  Oc vjcir guturi (WG) os oc vjcir quo todhrê od oc guturi ud hotorkndjhi kidti ho hndori quo kjdtodokis od cj jatujcnhjh i quo hoanhnkis ndvortnr od ud priyoati hotorkndjhi. Gñrkucj hoc vjcir guturi Cj gñrkucj pjrj ajcaucjr oc vjcir guturi hopodho ho sn oc ndtorîs quo so jpcnaj os snkpco i aikpuosti.   Gñrkucj ho ndtorîs ho ndtorîs snkpco Iaurro aujdhi so jpcnaj cj tjsj ho ndtorîs sici sifro oc ajpntjc i kidti ndnanjc, di sifro cis ndtorosos quo so vjd ljdjdhi od oc tnokpi. Cj gñrkucj os cj snlunodto0 WG ; WR x (: + r x d) Hidho0 WG; vjcir guturi WR; vjcir prosodto (oc kidti quo ndvortnkis miy pjrj ljdjr ndtorosos) r; tjsj ho ndtorîs snkpco d; dðkori ho porëihis   Gñrkucj ho ndtorîs ho ndtorîs aikpuosti Od osto ajsi so jpcnaj cj tjsj ho ndtorîs sifro oc kidti ndnanjc y tjkfnîd sifro cis ndtorosos quo so vjd ljdjdhi ajhj porëihi. Cj gñrkucj os cj snlunodto0 WG ; WR x (: + r)   



⁹

NDXOVOQ QNKRCO  Oc ndtorîs snkpco so puoho hogndnr aiki oc ndtorîs aifrjhi sifro cj ajdtnhjh titjc hoc ajpntjc tikjhi pir ud porëihi ho tnokpi pjrtnaucjr. Cis ndtorosos sici so aifrjd od gudanñd hoc usi ho gidhis. Oc aêcauci hoc ndtorîs snkpco os fjstjdto sodancci y os cj girkj kês rêpnhj ho ajcaucjr oc ndtorîs. _d o`okpci ho ndtorîs snkpco sid cis prîstjkis pjrj jutikñvncos od cis quo oc ndtorîs hofo pjljrso sifro cj ajdtnhjh prostjhj. Cj gñrkucj pjrj ajcaucjr oc ndtorîs snkpco os0

R*V*D 

(R ; Rrndanpjc, V ; Xjsj, D ; Dðkori ho júis)

ACJQOQ HO NDXOVOQ QNKRCO Oc ndtorîs so okpcojd ccjkj irhndjrni aujdhi usj pjrj suso aêcauci hëjsquo jc júi, knodtrjs quo sorêho oxjati sn so 17? i 177 hëjs.soOd rojcnhjh, puoho172 jgnrkjr oxnstod aujtri acjsos

 

ndtorîs snkpco, hopodhnodhi sn pjrj oc aêcauci so usod 12 hëjs jc kos, i cis hëjs quo soújco oc ajcodhjrni. j.  Ndtorîs irhndjrni irhndjrni aid aid tnokpi oxjati. oxjati. Od  Od osto ajsi so supido ud júi ho 172 hëjs y so tikjd cis hëjs quo rojckodto tnodo oc kos solðd oc ajcodhjrni. Osto ndtorîs, so aidiao aid oc dikfro ho ndtorîs fjdajrni5 os ud ndtorîs kês aistisi y oc quo kês so utncnzj. f.  Ndtorîs irhndjrni irhndjrni aid aid tnokpi jprixnkjhi jprixnkjhi. Od osto ajsi so supido ud júi ho 172 hëjs y 12 hëjs jc kos. Qo aidiao aid oc dikfro ho ndtorîs aikoranjc, so usj aid groauodanj pir gjancntjrso cis aêcaucis kjdujcos pisnfncnhjh ho mjaor snkpcngnajanidos a.  Ndtorîs oxjati oxjati aid tnokpi oxjati oxjati.pir  Od cj osto ajsi so utncnzjd 17? i 177 hëjs jc júi y kos solðd ajcodhjrni. Osto ndtorîs, so aidiao aikðdkodto aid oc dikfro ho ndtorîs rjanidjc, oxjati i rojc, knodtrjs quo cjs itrjs acjsos ho ndtorîs prihuaod ud orrir hofnhi j cjs jprixnkjanidos5 oc ndtorîs rjanidjc jrri`j ud rosuctjhi oxjati, ci aujc os nkpirtjdto, aujdhi so mjaod aêcaucis sifro ajpntjcos lrjdhos, pirquo cjs hngorodanjs sorêd snldngnajtnvjs aujdhi so usj itrj acjso ho ndtorîs hngorodto jc rjanidjc. Ci nkpirtjdto, os rojcnzjr aêcaucis ho ndtorosos quo di por`uhnquod jc prostjknstj i jc prostjtjrni. h.  Ndtorîs oxjati oxjati aid tnokpi jprixnkjhi jprixnkjhi. Rjrj oc aêcauci ho îsto ndtorîs so usj 17? i 177 hëjs jc júi y 12 hëjs jc kos. Di so co aidiao dikfro, d ikfro, oxnsto toñrnajkodto, di tnodo utncnzjanñd y os oc kês fjrjti ho tihis.

NDXOVOQ AIKR_OQXI  Os jquoc od oc aujc oc ajpntjc ajkfnj jc gndjc ho ajhj pornihi, hofnhi j quo cis ndtorosos so jhnanidjd jc ajpntjc pjrj girkjr ud duovi ajpntjc hodikndjhi kidti y sifro osto kidti vicvor j ajcaucjr ndtorosos, os hoanr, mjy ajpntjcnzjanñd ho cis ndtorosos. Od itrjs pjcjfrjs so pihrëj hogndnr aiki cj iporjanñd gndjdanorj od cj aujc oc ajpntjc jukodtj jc gndjc ho ajhj pornihi pir cj sukj ho cis ndtorosos vodanhis. Cj sukj titjc iftodnhj jc gndjc so aidiao aid oc dikfro ho kidti aikpuosti i vjcir guturi. J cj hngorodanj odtro oc kidti aikpuosti y oc ajpntjc irnlndjc so co hodikndj ndtorîs aikpuosti y pjrj su aêcauci so puoho usjr snd dndlðd prifcokj cj nlujchjh   Cj gñrkucj pjrj ajcaucjr oc ndtorîs aikpuosti os0 R {(: + V) T d  :}  ‑

(R ; Rrndanpjc, V ; Xjsj, D ; Dðkori ho júis).

Rorëihi ho ajpntjcnzjanñd Od oc ndtorîs aikpuosti, cj ajpntjcnzjanñd hoc ndtorîs puoho todor culjr od aujcqunor ndtorvjci ho tnokpi, od gudanñd ho ci quo so mjyj jairhjhi. Qn oc ndtorîs so lodorj jdujckodto y di os pjljhi, sndi quo so jújho jc ajpntjc, so hnao quo oc ndtorîs so mj ajpntjcnzjhi jdujckodto. Od osto ajsi, oc porëihi ho ajpntjcnzjanñd os ud júi. Qn oc ndtorîs so jl jlrolj rolj jc ajpntjc ajhj sons kosos, so hnao q quo uo so ajpntjcnzj sokostrjckodto. Ho nlujc kihi, oc porëihi ho ajpntjcnzjanñd puoho sor trnkostrjc, kodsujc u itri  J aidtndujanñd, so prosodtj udj tjfcj quo kuostrj kuostrj cjs groauodanjs ho ajpntjcnz ajpntjcnzjanñd janñd kês utncnzjhjs i aikudos.

 

Ajpntjcnzjanñd ho ndtorosos i pornihi Hnjrnj Qokjdjc Zundaodjc i Fnkodsujc Kodsujc Fnkostrjc Xrnkostrjc Aujtrnkostrjc Qokostrjc  Jdujc

Groauodanj ho aidvorsnñd 17? ?6 68 :6 7 8 1 6 :

Qupidlj quo so udj porsidj ndvnorto $ :.222 j ud ndtorîs hoc 6.?% kodsujc hurjdto :6 kosos, jc gndjc ho cis aujcos osporj iftodor oc ajpntjc prndanpjc y cis ndtorosos iftodnhis. Qupidor quo di oxnstod rotnris ndtorkohnis. Ajcaucjr cj sukj gndjc roauporjhj. r oauporjhj. Ajpntjc ndnanjc i Rrosodto

Rornihi

Qnkpco : 6 1 8 ? 7 < = > :2 :: :6

:.222,22 :.222,22 :.222,22 :.222,22 :.222,22 :.222,22 :.222,22 :.222,22 :.222,22 :.222,22 :.222,22 :.222,22

Ndtorosos

Aikpuosti Qnkpco :.222,22 :.26?,22 :.2?2,71 :.2 :.:21,=: :.:1:,8: :.:?>,7> :.:==,7> :.6:=,82 :.68=,=7 :.6=2,2= :.1:6,2>

6?,22 6?,22 6?,22 6?,22 6?,22 6?,22 6?,22 6?,22 6?,22 6?,22 6?,22 6?,22

Kidti gndjc i Guturi Aikpuosti 6?,22 6?,71 67,6< 67,>6 6 6=,>> 6>,,7> :.:==,7> :.6:=,82 :.68=,=7 :.6=2,2= :.1:6,2> :.188,=>

OA_JANIDOQ HO WJCIV   Cjs oaujanidos ho vjcir sid tjkfnîd aidianhjs aid oc dikfro ho toirokj gudhjkodtjc ho cjs kjtokêtnajs gndjdanorjs, pir ci aujc, porkntod rosicvor ho kjdorj gêanc aujcqunor prifcokj ho cjs kjtokêtnajs gndjdanorjs. Cjs oaujanidos ho vjcir, di sid kês quo nlujchjhos ho vjcir rogorodanjhjs j udj goamj hotorkndjhj i ospoaëgnaj, hodikndjhj goamj giajc y so snkficnzj pir gg   y od oc hnjlrjkj oaidñknai so roprosodtj j trjvîs ho udj cëdoj ho trjzis. Od cj goamj giajc so nlujcjd cis gcu`is ho aj`j pjrj mjaor cj aikpjrjanñd y od occj, so aikpjrjd cis ndlrosis aid cis olrosis, cjs houhjs aid cis pjlis, p jlis, cis jatnvis aid cis pjsnvis y oc pjtrnkidni, cis gcu`is ho aj`j quo ostêd jrrnfj hoc hnjlrjkj aid cis quo ostêd jfj`i. Od cj goamj giajc so nlujcjd cis gcu`is ho aj`j pjrj mjaor cj aikpjrjanñd y od occj, so aikpjrjd cis ndlrosis aid cis olrosis, cjs houhjs aid cis pjlis, ccis is jatnvis aid cis pjsnvis pjsnvis y oc

 

pjtrnkidni, cis gcu`is ho aj`j aj`j quo ostêd jrrnfj hoc hnjlrjkj aid cis quo ostêd jfj`i. Rir ci tjdti, so pihrëj oxprosjr ho cj snlunodto kjdorj0 / (:) Q Ndlrosis ; Q Olrosis Uod cj gg[ (6) Q Houhjs ; Q Rjlis Uod cj gg[ (1) Q Jatnvis ; Q (Rjsnvi + ajpntjc) Uod cj gg[ (8) Q Jrrnfj ; Q Jfj`i Uod Uod cj gg[

O`okpci _dj porsidj hofo ajdaocjr tros pjljrîs jsë0 $ 72.222 hodtri ho ? kosos, $ =2.222 hodtri ho = kosos y $ :62.222 hodtri ho := kosos. Qn pjatj pjljr miy $ 82.222 y oc rosti od oc kos :2. Hotorkndjr oc vjcir hoc pjli, pjrj quo cjs houhjs quohod quoh od sjchjhjs. Xodlj od auodtj udj tjsj ho ndtorîs hoc 6?% y cj goamj giajc od oc kos =. Qicuanñd $ :62.222 $ =2.222 $ 72.222 2

:2 ?

:= kosos

= $]

$ 82.222 gg 

Oc pornihi 2 roprosodtj oc hëj ho miy, cis rostjdtos dðkoris od oc hnjlrjkj oaidñknai roprosodtjd cjs goamjs ho vodanknodtis ho cjs houhjs y ho cis pjlis. Qo ifsorvj quo cjs houhjs so mjd aiciajhi j ud cjhi hoc hnjlrjkj oaidñknai y cis pjlis od oc itri cjhi.

JRCNAJANIDOQ AID O]AOC GNDJDANOVI O@OVANANI : (Ajcaucjdhi oc ndtorîs snkpco)

_dj Aj`j Vurjc, pjlj oc 7% sifro cis hopñsntis j pcjzis. Hotorkndjr oc pjli jdujc pir ndtorîs sifro ud hopñsnti ho $ :=,222. Qicuanñd0 WJ ; :=,2225 dpo ; :5 tjsj ; 2.275 Ndtoroso ; 9 N ; :=,222*:*2.27 ; $ :,2=2 Vospuostj0 Cj Aj`j Vurjc pjlj jdujckodto sifro osto hopñsnti cj sukj ho $ :,2=2. O@OVANANI 6 (Ndtorîs Qnkpco Aikoranjc)

@irlo hopisntj _K 6,122, od udj cnfrotj ho jmirris jc >% jdujc, ¹auêdti todhrê hospuîs ho > kosos9.

 

:° Oxprosjkis cj tjsj od kosos0 ko sos0 2.2>/:6 ; 2.22.. %. Qicuanñd WJ ; 1?,2225 WG ; ?7,8??5 n ; 2.2>5 d ; 95  Jpcnajdhi cj gñrkucj i cj gudanñd DROV, todokis0 todokis0 D; 1?,222(:+2.2>)?7,8?? ; ?.?8