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File name: hp 12c_user's guide_Spanish_HDPMBF12S31 Page: 8 of 208
Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm
Sección 11: Almacenar varios programas..................... 119
Almacenar otro programa .......................................................... 119
Ejecutar otro programa............................................................... 121
Parte III. Soluciones.............................................123
Sección 12: Bienes inmuebles y préstamos.................... 124
Cálculo de la tasa de porcentaje anual con gastos........................ 124
Precio de una hipoteca negociada con descuento o bonificación .... 126
Rendimiento de una hipoteca negociada con descuento o bonificación
...... 128
La decisión de alquilar o comprar ............................................... 129
Anualidades aplazadas ............................................................. 134
Sección 13: Análisis de la inversión ............................. 136
Depreciación anual parcial......................................................... 136
Depreciación anual uniforme................................................ 136
Depreciación de saldos decrecientes ..................................... 140
Depreciación de la suma de cifras de los años....................... 142
Depreciación anual parcial y completa con entrecruzamiento.......... 144
Exceso de depreciación.............................................................. 148
Tasa interna de rendimiento modificada....................................... 148
Sección 14: Arrendamiento ......................................... 151
Pagos por adelantado................................................................ 151
Cálculo de los pagos .......................................................... 151
Cálculo del rendimiento....................................................... 153
Pagos por adelantado con valor residual...................................... 156
Cálculo de los pagos .......................................................... 156
Cálculo del rendimiento....................................................... 158
Sección 15: Ahorros ................................................... 159
Conversión de la tasa nominal en la tasa efectiva.......................... 159
Conversión de la tasa efectiva en la tasa nominal.......................... 160
Conversión de la tasa nominal en la tasa efectiva continua............. 161
Sección 16: Bonos ...................................................... 162
Bonos sobre una base de 30/360 días........................................ 162
Bonos de cupón anual ............................................................... 165
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