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Sección 14: Arrendamiento 153
File name: hp 12c_user's guide_Spanish_HDPMBF12S31 Page: 153 of 208
Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm
Ejemplo 2:
Con el programa anterior, calcule el pago mensual a partir de la información
del ejemplo 1. Cambie el interés anual por el 15% y calcule el nuevo importe del pago.
Pulse Pantalla
12?0
12,00
Duración del arrendamiento.
3?1
3,00
Número de pagos por adelantado.
10\12z
?2
0,83
Tasa de interés periódica.
750?3t
64,45
Pago mensual que se recibirá.
15\12z
?2t
65,43
Pago mensual para obtener un
rendimiento del 15%.
Ejemplo 3:
Partiendo de la información del ejemplo 1,
¿
qué pago mensual es necesario
para que el arrendador obtenga un rendimiento del 15% anual si en el momento del cierre
queda un pago pendiente
?
Suponiendo que se acabara de calcular el ejemplo anterior, se pulsarían las siguientes
teclas:
Pulse Pantalla
1?1t
66,86
Pago mensual que se recibirá.
Como el problema es que queda una anualidad pendiente (un pago al principio del período),
también se podría calcular de la siguiente manera:
Pulse Pantalla
fCLEARG
12n15gC
1,25
Tasa de interés periódica (en
i
).
750Þ$P
66,86
Pago mensual que se recibirá.
Cálculo del rendimiento
Para calcular el rendimiento periódico, se introduce la información del siguiente modo:
1. Pulse
y
f
CLEAR
G
.
2. Introduzca el número total de pagos del arrendamiento y pulse
\
.
3. Introduzca el número total de pagos por adelantado y pulse
?
0
-n
.
4. Introduzca el pago periódico que se recibirá y pulse
P
.
5. Introduzca el importe total del préstamo y pulse
Þ:
0
:P§+$
.
6. Pulse
¼
para obtener el rendimiento periódico.
153


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