Ejercicio de clase 2. Cálculo de intereses
En primer lugar, vamos a ver el siguiente vídeo para entender las soluciones de más abajo
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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?
Soluciones
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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