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Sección 3: Funciones financieras básicas 41
File name: hp 12c_user's guide_Spanish_HDPMBF12S31 Page: 41 of 208
Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm
Pulse Pantalla
:P
–325,00
Recupera el importe del pago.
+
–143,11
Pago final, fraccionario.
También podría hacer el pago fraccionario junto con el pago que ocupa el lugar 327. (Si lo
hiciera así, el resultado sería un total algo menor en todos los pagos, puesto que no tendría
que pagar intereses durante el período de pago 328.) Puede calcular este pago final, de
mayor cantidad, que ocupa el lugar 327 (esencialmente un pago final de liquidación) de la
manera siguiente:
Pulse Pantalla
327n
327,00
Almacena el número de pagos completos.
M
–141,87
Calcula FV, que es el saldo restante
después de 327 pagos completos.
:P
–325,00
Recupera el importe del pago.
+
–466,87
Pago final de liquidación.
En lugar de tener un pago fraccionario (o de liquidación) al final del préstamo, quizá desee
hacer 327 o 328 pagos iguales. Consulte “Calcular el importe del pago” en la página 45
para ver una descripción completa de este procedimiento.
Ejemplo 2:
Hoy (mediados de mes) va a abrir una cuenta de ahorro con un depósito de
775 €. La cuenta paga un interés del 6
1
/
4
% que se capitaliza quincenalmente. Si hace
depósitos quincenales de 50 € a partir del mes próximo,
¿
cuánto tiempo necesitará para que
la cuenta alcance los 4.000 €
?
Pulse Pantalla
fCLEARG
6,25\24
0,26
Calcula y almacena i.
41


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