Question
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La tasa máxima cobrable para los créditos ordinario y de consumo vigente es del
EA
Si se obtiene un crédito de consumo a un plazo de 12 meses, la tasa mensual que le
deben cobrar es

Ask by Bush Fuentes. in Colombia
Mar 15,2025

Upstudy AI Solution

Tutor-Verified Answer

Answer

La tasa mensual que deben cobrar es aproximadamente .

Solution

Planteamos la relación entre la tasa efectiva anual y la tasa mensual mediante la fórmula:
Dado que , tenemos:
Para despejar , tomamos la raíz doceava en ambos lados:
y obtenemos:
Calculamos la expresión:
Entonces:
lo que equivale aproximadamente a .
Por lo tanto, la tasa mensual que se debe cobrar es aproximadamente .

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Beyond the Answer

Para calcular la tasa mensual a partir de una tasa efectiva anual (EA) del , se puede usar la siguiente fórmula:
donde es la tasa anual en forma decimal ( ) y es el número de periodos (en este caso, 12 meses). Al aplicar la fórmula, la tasa mensual sería aproximadamente del mensual, lo que significa que por cada mes, la deuda aumentará en esa proporción.
Recuerda que al momento de solicitar un crédito, siempre es bueno comparar las tasas y términos de diferentes entidades, ya que pueden variar. Utilizar herramientas de simulación o calculadoras de crédito puede ayudarte a obtener una mejor idea del costo total del préstamo y planificar tu presupuesto de manera eficiente.

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