# Requisitos para ser oficial de pnp

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EJERCICIO:
LOS 2 PRESTAMISTAS

Un prestamista por \$ 2, 500.00 nos cobra 10% mensual, pero otro prestamista nos indica que el nos presta el mismo monto y también nos cobra el 10%, pero el pago esdiario; es decir divide \$ 2, 750.00 entre 30 días (pago diario de \$ 91.67).
¿Cuál es la verdadera tasa de interés que nos está cobrando?

P=2, 500
R=91.67
n=30

R=Pi1+in1+in-1
91.67=2,500i1+i301+i30-1
idiario=0.6265%
Entonces, conociendo la tasa efectiva diaria podemos calcular la tasa efectiva equivalente mensual:
TEM=[(1+0.006265)30-1]*100

TEM=20.6072%

NRO. | PRINCIPAL | P + i | AMORTIZACIÓN | INTERÉS | CUOTA | SALDO |
0 | 2,500.00 |   |   |   |   | 2,500.00 |
1 | 2,500.00 | 2,515.66 | 76.01 | 15.66 | 91.67 | 2,423.99 |
2 | 2,423.99| 2,439.18 | 76.48 | 15.19 | 91.67 | 2,347.51 |
3 | 2,347.51 | 2,362.22 | 76.96 | 14.71 | 91.67 | 2,270.55 |
4 | 2,270.55 | 2,284.77 | 77.44 | 14.23 | 91.67 | 2,193.10 |
5 | 2,193.10 | 2,206.84| 77.93 | 13.74 | 91.67 | 2,115.17 |
6 | 2,115.17 | 2,128.42 | 78.42 | 13.25 | 91.67 | 2,036.75 |
7 | 2,036.75 | 2,049.52 | 78.91 | 12.76 | 91.67 | 1,957.85 |
8 | 1,957.85 | 1,970.11 | 79.40 |12.27 | 91.67 | 1,878.44 |
9 | 1,878.44 | 1,890.21 | 79.90 | 11.77 | 91.67 | 1,798.54 |
10 | 1,798.54 | 1,809.81 | 80.40 | 11.27 | 91.67 | 1,718.14 |
11 | 1,718.14 | 1,728.90 | 80.91 | 10.76 |91.67 | 1,637.23 |
12 | 1,637.23 | 1,647.49 | 81.41 | 10.26 | 91.67 | 1,555.82 |
13 | 1,555.82 | 1,565.57 | 81.92 | 9.75 | 91.67 | 1,473.90 |
14 | 1,473.90 | 1,483.13 | 82.44 | 9.23 | 91.67 |1,391.46 |
15 | 1,391.46 | 1,400.18 | 82.95 | 8.72 | 91.67 | 1,308.51 |
16 | 1,308.51 | 1,316.71 | 83.47 | 8.20 | 91.67 | 1,225.04 |
17 | 1,225.04 | 1,232.71 | 83.99 | 7.68 | 91.67 | 1,141.04 |18 | 1,141.04 | 1,148.19 | 84.52 | 7.15 | 91.67 | 1,056.52 |
19 | 1,056.52 | 1,063.14 | 85.05 | 6.62 | 91.67 | 971.47 |
20 | 971.47 | 977.56 | 85.58 | 6.09 | 91.67 | 885.89 |
21 | 885.89 |...