{"id":2845,"date":"2014-10-25T17:08:09","date_gmt":"2014-10-25T17:08:09","guid":{"rendered":"https:\/\/www.lyntik.co\/blog\/?p=112"},"modified":"2022-05-03T22:53:24","modified_gmt":"2022-05-03T22:53:24","slug":"conversion-de-tasas-de-interes","status":"publish","type":"post","link":"https:\/\/lyntik.co\/blog\/2014\/10\/conversion-de-tasas-de-interes\/","title":{"rendered":"Conversi\u00f3n de tasas de inter\u00e9s"},"content":{"rendered":"<p style=\"text-align: justify;\"><em><a href=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2014\/10\/Photoxpress_1147710.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignleft size-medium wp-image-136\" src=\"https:\/\/www.lyntik.co\/wp-content\/uploads\/2020\/07\/Photoxpress_1147710-300x199.jpg\" alt=\"Lyntik - Conversi\u00f3n de tasas de inter\u00e9s\" width=\"300\" height=\"199\" \/><\/a>La <strong>tasa de inter\u00e9s<\/strong> es la tarifa cobrada por el uso del dinero, y se expresa como un porcentaje que se aplica al capital en diferentes unidades de tiempo (d\u00eda, mes, trimestre, semestre, a\u00f1o, etc).<\/em><\/p>\n<p style=\"text-align: justify;\">Qui\u00e9n no ha escuchado hablar de <strong>tasas en el mercado financiero<\/strong> y haber pensado en que todo es un enredo: que la <strong>tasa efectiva anual, la tasa mes vencido, la tasa semestre anticipado, la tasa nominal trimestre vencido;<\/strong> que si deposita su plata en tal inversi\u00f3n va a recibir tal tasa de rentabilidad. Todas estas son expresiones en porcentaje que denotan el costo del dinero en un periodo de tiempo, en caso de un pr\u00e9stamo; o la rentabilidad del dinero en caso de una inversi\u00f3n.<\/p>\n<p style=\"text-align: justify;\">Por un lado est\u00e1n las <strong>tasas nominales<\/strong>:<\/p>\n<p style=\"text-align: justify;\">Denotan una tasa con un periodo de capitalizaci\u00f3n o generaci\u00f3n de inter\u00e9s mensual, bimestral, trimestral, semestral o anual. Con esta tasa se denota solo la causaci\u00f3n de un inter\u00e9s en un periodo de tiempo y es este el que se agregar\u00e1 al capital de manera compuesta, que despu\u00e9s se ver\u00e1 reflejado en el inter\u00e9s efectivo.<\/p>\n<p style=\"text-align: justify;\">La <strong>tasa nominal<\/strong> suele estar referenciada en un periodo de un a\u00f1o, se muestra en porcentaje, se apellida con un periodo de capitalizaci\u00f3n y se cu\u00f1a con un momento en el que se cobra: anticipada o vencida.<\/p>\n<p style=\"text-align: justify;\"><strong>Ejemplo:<\/strong><\/p>\n<p style=\"text-align: justify;\">2% MV = dos por ciento mes vencido.<br \/>\n1% SA = uno por ciento semestre anticipado.<\/p>\n<p style=\"text-align: justify;\">Por otro lado est\u00e1n las <strong>tasas efectivas<\/strong>:<\/p>\n<p style=\"text-align: justify;\">Expresan el costo o la rentabilidad como una <strong>tasa de inter\u00e9s compuesta<\/strong> teniendo en cuenta la acumulaci\u00f3n de intereses. Para efectos de lectura, no ahondaremos en lo que es la tasa compuesta, solo bastar\u00e1 con decir que suma intereses al capital para la nueva causaci\u00f3n. En este sentido, es la tasa realmente cobrada para un periodo de tiempo. En este caso vamos a suponer, para efectos de mejor entendimiento y de acercamiento a la vida comercial, que las <strong>tasas efectivas denotan autom\u00e1ticamente su periodo de capitalizaci\u00f3n<\/strong>.<\/p>\n<p style=\"text-align: justify;\">Todas las tasas, de cualquier tipo y en cualquier periodo, se pueden traducir en el tiempo para encontrar su equivalencia. Para esto, partamos de los siguientes supuestos:<\/p>\n<p><a href=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2020\/07\/lyntik-1.png\"><img decoding=\"async\" class=\"alignleft size-full wp-image-134\" src=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2020\/07\/lyntik-1.png\" alt=\"lyntik-1\" width=\"100\" height=\"100\" \/><\/a>Periodicidades en un a\u00f1o:<br \/>\nMeses al a\u00f1o: 12<br \/>\nBimestres al a\u00f1o: 6<br \/>\nTrimestres al a\u00f1o: 4<br \/>\nSemestres al a\u00f1o: 2<\/p>\n<p><img decoding=\"async\" class=\"alignleft size-full wp-image-138\" src=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2020\/07\/lyntik-2.png\" alt=\"Lyntik 2\" width=\"100\" height=\"100\" \/>Con tasas nominales se puede cambiar la periodicidad solo con dividir o multiplicar: <em>pasar de anual a mensual, de mensual a trimestral, de trimestral a bimestral, etc.<\/em> En este caso lo \u00fanico que se debe hacer es multiplicar o dividir la tasa por la periodicidad. Ejemplo: encontrar la tasa semestral de una tasa de 2% MV.<br \/>\n2% x 12 (meses al a\u00f1o) = 24% AV y esta tasa la trasladaremos a la tasa semestral: 24% \/ 2 (semestres al a\u00f1o) = 12% SV.<br \/>\nO directamente: 2% x 6 (un semestre equivale a seis meses) = 12% SV.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-140\" src=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2020\/07\/lyntik-3.png\" alt=\"conversi\u00f3n tasas de inter\u00e9s\" width=\"100\" height=\"100\" \/><\/p>\n<p>Con las <strong>tasas efectivas<\/strong>, como se suponen peri\u00f3dicas, se pueden aplicar las siguientes formulas directamente para cambiar su periodicidad:<br \/>\n<strong>a. Para pasar a una periodicidad mayor:<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-143\" src=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2020\/07\/lyntik-conversion-de-tasas-de-interes-1.jpg\" alt=\"Conversi\u00f3n tasas de inter\u00e9s\" width=\"188\" height=\"57\" \/><strong><em><br \/>\niE<\/em><\/strong>= Inter\u00e9s Efectivo<br \/>\n<em><strong>n<\/strong><\/em> = N\u00famero de periodos<\/p>\n<p><strong>Ejemplo:<\/strong> \u00bfCu\u00e1l es la tasa efectiva anual correspondiente a una tasa del 2% mensual?<br \/>\n<strong><em>iEM<\/em><\/strong> (Inter\u00e9s Efectivo Mensual) = 2%<br \/>\n<em><strong>n<\/strong><\/em> = 12 meses<\/p>\n<p><strong><em>\u2192 <\/em><\/strong><em><strong>iEA<\/strong><\/em> (Inter\u00e9s Efectivo Anual) = ((1 + 0.02) ^12) \u2013 1 = 26.82% EA.<\/p>\n<p><strong>b. Para pasar a una periodicidad menor:<\/strong><br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-144 size-full\" src=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2020\/07\/lyntik-conversion-de-tasas-de-interes-2.jpg\" alt=\"lyntik-conversion-de-tasas-de-interes-2\" width=\"196\" height=\"55\" \/><\/p>\n<p><strong><em>iE<\/em><\/strong>= Inter\u00e9s Efectivo<br \/>\n<strong><em>n<\/em><\/strong> = N\u00famero de periodos<\/p>\n<p><strong>Ejemplo:<\/strong> \u00bfCu\u00e1l es la tasa efectiva trimestral correspondiente a una tasa del 24% EA?<br \/>\n<strong><em>iEA <\/em><\/strong>(Inter\u00e9s Efectivo Anual)= 24%<br \/>\n<em><strong>n<\/strong><\/em> = 4 trimestres<\/p>\n<p><strong><em>\u2192 iET <\/em><\/strong>(Inter\u00e9s Efectivo Trimestral)= ((1 + 0.24)^1\/4) \u2013 1 = 5.53 % ET.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-141\" src=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2020\/07\/lyntik-4.png\" alt=\"lyntik-4 - conversi\u00f3n tasas de inter\u00e9s\" width=\"100\" height=\"100\" \/><\/p>\n<p>Despu\u00e9s de encontrar equivalencias en el tiempo se puede convertir la tasa nominal en la tasa efectiva o la efectiva en nominal.<\/p>\n<p><strong>a. Pasar de Efectivo (<em>iE<\/em>) a Nominal (<em>iN<\/em>):<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-145\" src=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2020\/07\/lyntik-conversion-de-tasas-de-interes-3.jpg\" alt=\"lyntik-conversion-de-tasas-de-interes-3\" width=\"246\" height=\"65\" \/><br \/>\n<strong><em>iE<\/em><\/strong>= Inter\u00e9s Efectivo<br \/>\n<strong><em>n<\/em><\/strong> = N\u00famero de periodos<\/p>\n<p><strong>Ejemplo:<\/strong> \u00bfCu\u00e1l es la tasa nominal anual correspondiente a una tasa del 24% efectivo anual?<br \/>\n<strong><em>iEA <\/em><\/strong>(Inter\u00e9s Efectivo Anual)= 24%<br \/>\n<strong>n<\/strong> = 12 meses<\/p>\n<p><strong><em>\u2192<\/em><\/strong><em><strong> iNA<\/strong><\/em> (Inter\u00e9s Nominal Anual)= ((1 + 0.24)^1\/12) \u2013 1)*12 = 21.71% NA<br \/>\n<strong>b. Pasar de Nominal a Efectiva:<\/strong><br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-146\" src=\"https:\/\/www.lyntik.co\/blog\/wp-content\/uploads\/2020\/07\/lyntik-conversion-de-tasas-de-interes-4.jpg\" alt=\"lyntik-conversion-de-tasas-de-interes-4\" width=\"178\" height=\"69\" \/><br \/>\n<strong><em>iN<\/em><\/strong> = Inter\u00e9s Nominal<br \/>\n<strong><em>n<\/em><\/strong> = N\u00famero de periodos<\/p>\n<p><strong>Ejemplo:<\/strong> \u00bfCu\u00e1l es la tasa efectiva anual correspondiente a una tasa del 24% nominal anual?<br \/>\n<strong><em>iNA <\/em><\/strong>= 24%<br \/>\n<em><strong>n<\/strong><\/em> = 12 meses<\/p>\n<p><strong><em>\u2192<\/em><\/strong><em><strong>iEA <\/strong><\/em>= (((1 + (0.24\/12))^ 12) \u2013 1 = 26.82% EA<\/p>\n<h1><strong><a href=\"http:\/\/www.valuartik.com\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #000000;\">Descarga la calculadora de tasas de inter\u00e9s haciendo clic aqu\u00ed.<\/span><\/a><\/strong><\/h1>\n<p style=\"text-align: justify;\">\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>La tasa de inter\u00e9s es la tarifa cobrada por el uso del dinero, y se expresa como un porcentaje que se aplica al capital en [&hellip;]<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":2,"featured_media":136,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2845","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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