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Ejercicio de clase 2. Cálculo de intereses

En primer lugar, vamos a ver el siguiente vídeo para entender las soluciones de más abajo


María pide prestado 10.000 € a un banco y le dicen que tiene que devolverlos en 3 años pagando un 5% de tipo de interés anual.

a) Calcula cuáles serán los intereses y la cantidad total a devolver.

b) ¿Qué ocurriría si el tipo de interés fuera el 5% mensual?


a) Calcula cuáles serán los intereses y la cantidad total a devolver.

Intereses a pagar al año = 5% x 10.000 = 500 euros al año

Pero ojo, estos intereses son al año. Para saber la cantidad total de intereses hay que tener en cuenta que el préstamo dura 3 años.

Intereses totales = intereses al año x número de años

Intereses totales  =  500 x 3 = 1.500 euros

La cantidad a devolver será igual a la cantidad prestada más los intereses totales.


Cantidad total a devolver = cantidad prestada + intereses totales

Cantidad total a devolver = 10.000 + 1.500 = 11.500 €


b) ¿Qué ocurriría si el tipo de interés fuera el 5% mensual?

Si el interés es mensual la cosa cambia (y bastante) ya que los intereses se pagan cada mes.

Intereses a pagar al mes = tipo de interés mensual x cantidad total prestada

Intereses a pagar al mes = 5% x 15.000 = 500 euros al mes.


Por lo tanto, los intereses totales y la cantidad total a devolver es:

Intereses totales = intereses al mes x número de meses

Intereses totales = 500 x 36 = 18.000 €

Cantidad total a devolver = cantidad prestada + intereses totales

Cantidad total a devolver = 10.000 + 18.000 = 28.000 €


Como vemos un interés mensual del 5% nos hará pagar mucho más que interés anual del 5%

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