BANCO DE LOS TRABAJADORES

TNA 4% CD ---> TND = 4% * (1/360) = 4% / 360 = TED ---> TEA = (1+4%/360)^(360/1)-1 4.08%
BANCO NACIONAL
TNS 2% CM ---> TNM = 2% * (30/180) = 2% / 6 = TEM ---> TEA = (1+2%/6)^(360/30)-1 4.07%
BANCO RURAL
TNA 3.8% CD ---> TND = 3.8% * (1/360) = 3.8% / 360 = TED ---> TEA= (1+3.8%/360)^(360/1)-1 3.87%
BANCO LIBERTAD
TNT 0.9% CM ---> TNM = 0.9% * (30/90) = 0.3% = TEM ---> TEA = (1+0.3%)^(360/30)-1 3.66%
MEJOR
 BANCO 1 P F F F
t=0 1,820.00 t=9 meses 2,034.29 t=17 meses 2,167.75 t=34 meses 2,806.62
TEM 1.24% TEM 0.80% TEM 1.53%
TEA 16.00% TEA 10.00% TEA 20.00%

BANCO 2 P F F F
t=0 1,820.00 t=9 meses 1,968.17 t=17 meses 2,160.00 t=34 meses 2,314.97
TEM 0.87% TEM 1.17% TEM 0.41%
TEA 11.00% TEA 14.97% TEA 5.01%

B) BANCO 1: F 3,070.28 BANCO 2: F

P 1,820.00 P
n 4.00 años n
TEA 13.97% TEA
C)
BANCO 1 Y 2 P F F F
t=0 1,820.00 t=9 meses 2,034.29 t=17 meses 2,232.56 t=34 meses 2,890.54
TEM 1.24% TEM 1.17% TEM 1.53%
TEA 16.00% TEA 14.97% TEA 20.00%
D)
t=0 1,820.00 t=4 años 3,506.25 -----> TEA 17.81%
 F
t=48 meses 3,070.28
TEM 0.64%
TEA 8.00%

F
t=48 meses 2,808.08
TEM 1.39%
TEA 18.00%

2,808.08
1,820.00
4.00 años
11.45%

F
t=48 meses 3,506.25
TEM 1.39%
TEA 18.00%
A) BANCO 1:

P 1422 1527 = 1422 * (1+TED) ^ 57 ---> TED = 0.1251%

F 1527 TEA = 56.82%
n 57 días
1527 = 1422 * (1+TEA) ^ (57/360) ---> TEA = 56.82%

BANCO 2:

P 1422 1675 = 1422 * (1+TED) ^ 98 ---> TED = 0.1672%

F 1675 TEA = 82.49%
n 98 días
1675 = 1422 * (1+TEA) ^ (98/360) ---> TEA = 82.49%

BANCO 3:

P 1422 1878 = 1422 * (1+TED) ^ 139 ---> TED = 0.2003%

F 1878 TEA = 105.52%
n 139 días
1878 = 1422 * (1+TEA) ^ (139/360) ---> TEA = 105.52%
 B) P 4,200 F= 6,021.10
TEA 105.52%
n (meses) 6 I= 1,821.10
F ?

C) BANCO 1 F = 1,627.97
BANCO 2 F = 1,891.25
BANCO 3 F = 2,150.39
5,669.61 351.49 DEJARIAN DE GANAR EN CO

P = 4200 5,669.61 = 4,200 * (1+TEA)^(180/360)

n = 6 meses 82.22% = TEA

MAS CONVENIENTE
DEJARIAN DE GANAR EN CONJUNTO
TRAMO I: TRAMO I A TRAMO III:

P 100,000.00 108,149.83 = 100,000 * (1+TEA) ^ (15/12) P

F 108,149.83 TEA = 6.47% F
n (meses) 15 n (meses)
TEA ? TEA

TRAMO II:

P 108,149.83 117,625.89 = 108,149.83 * (1+TEA) ^ (30/12)

F 117,625.89 TEA = 3.42%
n (meses) 30
TEA ?

TRAMO III:

P 117,625.89 119,821.99 = 117,625.89* (1+TEA) ^ (9/12)

F 119,821.99 TEA = 2.50%
n (meses) 9
TEA ?
AMO I A TRAMO III:

100,000.00 119,821.99 = 100,000 * (1+TEA) ^ (54/12)

119,821.99 TEA PROM = 4.10%
54
?
 9/8/2009 12/7/2009 90 días
TNA C5d 6% TN5d 0.0833% TE5d
P 54,000.00
F 54,815.76

12/7/2009 3/7/2010 90 días

TNS C9d 3.25% TN9d 0.1625% TE9d
P 54,815.76
F 55,713.06

3/7/2010 6/5/2010 90 días

TNT CT 1.60% TET
P 55,713.06
F 56,604.47

6/5/2010 9/3/2010 90 días

TNM Csema 0.52% TNSema 0.1213% TESema
P 56,604.47
F 57,493.88

B) P 51,604.47
F 52,415.32

C) P 54,000.00
F 57,493.88
n 360 días
TED = TND 0.0174% … CD
TNA CD 6.27%