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44 Sección 3: Funciones financieras básicas
File name: hp 12c_user's guide_Spanish_HDPMBF12S31 Page: 44 of 208
Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm
Calcular el valor actual
1. Pulse
f
CLEAR
G
para borrar los registros financieros.
2. Introduzca el número de pagos o períodos mediante
n
o
A
.
3. Introduzca la tasa de interés periódica, mediante
¼
o
C
.
4. Introduzca uno de los siguientes valores, o ambos:
z
Importe del pago, mediante
P
.
z
Valor futuro, mediante
M
.
Nota:
Recuerde que debe
respetar la convención de
signos de los flujos de caja.
5. Si se introdujo un PMT, pulse
o
para establecer el modo de pago.
6. Pulse
$
para calcular el valor actual.
Ejemplo 1:
Va a financiar la adquisición de un automóvil nuevo con un préstamo de una
institución, que requiere un 15% de interés capitalizado mensualmente durante los 4 años de
plazo del préstamo. Si puede hacer pagos de 150 € al final de cada mes y el pago inicial va
a ser de 1.500 €,
¿
cuál es el precio máximo que puede pagar por el automóvil
?
(Asuma que
la fecha de adquisición es un mes anterior a la fecha del primer pago.)
Pulse Pantalla
fCLEARG
4gA
48,00
Calcula y almacena n.
15gC
1,25
Calcula y almacena i.
150ÞP
–150,00
Almacena PMT (con el si
g
no menos para el
dinero pagado).
–150,00
Establece el modo de pago End.
$
5.389,72
Importe máximo del préstamo.
1500+
6.889,72
Precio máximo de compra.
44


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