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Sección 14: Arrendamiento 157
File name: hp 12c_user's guide_Spanish_HDPMBF12S31 Page: 157 of 208
Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm
1. Introduzca el programa.
2. Introduzca el número total de pagos y pulse
?
0.
3. Introduzca o calcule la tasa de interés periódica y pulse
?
1 .
4. Introduzca el importe del préstamo y pulse
?
2.
5. Introduzca el valor residual y pulse
?
3.
6. Introduzca el número total de pagos por adelantado y pulse
?
4. A continuación
pulse
t
para obtener el importe del pago que recibirá el arrendador.
7. Para calcular un nuevo caso, vaya al paso 2. Los valores que cambian con respecto al
caso anterior son los únicos que deberán introducirse de nuevo.
Ejemplo 1:
Se va a arrendar durante 48 meses una fotocopiadora que vale 22.000 €. El
arrendatario ha acordado realizar 4 pagos por adelantado, con una opción de compra al
final de los 48 meses que le permitiría adquirir la fotocopiadora a un 30% del precio de
compra.
¿
Cuál es el pago mensual necesario para que el arrendador obtenga un
rendimiento anual del 15%
?
Pulse Pantalla
48?0
15\
12z?1
1,25
Tasa de interés mensual.
22000?2
30b?3
4?4t
487,29
Pago mensual que recibirá el
arrendador.
Ejemplo 2:
Partiendo de la información del ejemplo 1,
¿
cuál sería el pago mensual si el
arrendador quisiera obtener un rendimiento anual del 18%
?
Pulse Pantalla
487,29
Del ejemplo anterior.
18\12z
1,50
Tasa de interés mensual.
?1t
520,81
Pago mensual que recibirá el
arrendador.
157


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