{"id":425,"date":"2019-10-29T14:09:42","date_gmt":"2019-10-29T13:09:42","guid":{"rendered":"http:\/\/miramegias.com\/emodulos\/?page_id=425"},"modified":"2026-06-10T09:26:25","modified_gmt":"2026-06-10T07:26:25","slug":"operaciones-de-constitucion-prestamos","status":"publish","type":"page","link":"https:\/\/miramegias.com\/emodulos\/operaciones-de-constitucion-prestamos\/","title":{"rendered":"Operaciones de constituci\u00f3n. Pr\u00e9stamos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"425\" class=\"elementor elementor-425\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c027f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c027f4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ad361c5\" data-id=\"ad361c5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f07155f elementor-widget elementor-widget-text-editor\" data-id=\"f07155f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El objetivo de la unidad es el estudio de la constituci\u00f3n de capitales y los pr\u00e9stamos, teniendo en cuenta que ya se tiene un conocimiento suficiente de las rentas financieras enteras y fraccionadas.<\/p>\n<p>Se ampl\u00eda el estudio a la obtenci\u00f3n del inter\u00e9s efectivo para el prestatario TAE por diferentes m\u00e9todos de c\u00e1lculo (y aproximaci\u00f3n) para atender las necesidades del PGC.<\/p>\n<p>Una vez que sabemos construir los cuadros de amortizaci\u00f3n de las modalidades de devoluci\u00f3n m\u00e1s habituales de pr\u00e9stamos, a\u00f1adimos el cambio de tipo de inter\u00e9s, la cancelaci\u00f3n anticipada, periodos de carencia, etc. Hacemos una introducci\u00f3n a la hipoteca inversa y venta de la nuda propiedad.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4db0692 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4db0692\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6da4dd1\" data-id=\"6da4dd1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d9b921 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d9b921\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4540a02\" data-id=\"4540a02\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a856898 elementor-widget elementor-widget-heading\" data-id=\"a856898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Documentaci\u00f3n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5fc3d97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5fc3d97\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c392c0\" data-id=\"7c392c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ddd689f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ddd689f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4c31e7b\" data-id=\"4c31e7b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a048ab1 elementor-view-framed elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a048ab1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/miramegias.com\/emodulos\/wp-content\/uploads\/2020\/04\/mof07sa.pdf\" target=\"_blank\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Presentaci\u00f3n de la Unidad\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-file-pdf\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/miramegias.com\/emodulos\/wp-content\/uploads\/2020\/04\/mof07sa.pdf\" target=\"_blank\" >\n\t\t\t\t\t\t\tPresentaci\u00f3n de la Unidad\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d73837a\" data-id=\"d73837a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3147827 elementor-view-framed elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3147827\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/miramegias.com\/emodulos\/wp-content\/uploads\/2020\/03\/mof_07.pdf\" target=\"_blank\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Texto de la Unidad (A4)\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-file-pdf\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/miramegias.com\/emodulos\/wp-content\/uploads\/2020\/03\/mof_07.pdf\" target=\"_blank\" >\n\t\t\t\t\t\t\tTexto de la Unidad (A4)\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b4aadb2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b4aadb2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c1324a9\" data-id=\"c1324a9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b1048d elementor-widget elementor-widget-shortcode\" data-id=\"9b1048d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">    <div class=\"mi-pdf-plus-wrap\">\r\n        <a class=\"mi-pdf-plus-ampliar\"\r\n           href=\"https:\/\/miramegias.com\/emodulos\/wp-content\/uploads\/2020\/04\/mof07sa.pdf\"\r\n           target=\"_blank\"\r\n           rel=\"noopener\"\r\n           title=\"Abrir en pantalla completa\"\r\n           aria-label=\"Abrir en pantalla completa\"\r\n           style=\"top:10px; right:10px;\">\r\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\r\n                 width=\"18\"\r\n                 height=\"18\"\r\n                 viewBox=\"0 0 24 24\"\r\n                 fill=\"none\"\r\n                 stroke=\"currentColor\"\r\n                 stroke-width=\"2\"\r\n                 stroke-linecap=\"round\"\r\n                 stroke-linejoin=\"round\">\r\n                <polyline points=\"15 3 21 3 21 9\"><\/polyline>\r\n                <polyline points=\"9 21 3 21 3 15\"><\/polyline>\r\n                <line x1=\"21\" y1=\"3\" x2=\"14\" y2=\"10\"><\/line>\r\n                <line x1=\"3\" y1=\"21\" x2=\"10\" y2=\"14\"><\/line>\r\n            <\/svg>\r\n        <\/a>\r\n\r\n        <div class=\"wp-block-pdfemb-pdf-embedder-viewer\"><a href=\"https:\/\/miramegias.com\/emodulos\/wp-content\/uploads\/2020\/04\/mof07sa.pdf\" class=\"pdfemb-viewer\" style=\"\" data-width=\"max\" data-height=\"max\" data-toolbar=\"bottom\" data-toolbar-fixed=\"on\">mof07sa<\/a><\/div>    <\/div>\r\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90ee57f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90ee57f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a6bfc82\" data-id=\"a6bfc82\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d16ae9c elementor-widget elementor-widget-heading\" data-id=\"d16ae9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Enlaces particulares<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62a8df7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62a8df7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-434db48\" data-id=\"434db48\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b90e617 elementor-widget elementor-widget-text-editor\" data-id=\"b90e617\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El Euribor (acr\u00f3nimo de <i><b>Eur<\/b>opean <b>I<\/b>nter<b>b<\/b>ank <b>O<\/b>ffered <b>R<\/b>ate, es decir, tipo europeo de oferta interbancaria<\/i>) es un \u00edndice de referencia publicado diariamente que indica el tipo de inter\u00e9s promedio al que las entidades financieras se prestan dinero en el mercado interbancario del euro. Se calcula usando los datos de los 42 principales bancos europeos, y su valor mensual es muy utilizado como referencia para los pr\u00e9stamos bancarios.<\/p><p>El euribor a un a\u00f1o es el que se usa normalmente como referencia para las hipotecas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-163f3fb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"163f3fb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b6a9662\" data-id=\"b6a9662\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62511e1 elementor-widget elementor-widget-html\" data-id=\"62511e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Euribor de 2000 a 2024\" aria-label=\"Interactive line chart\" id=\"datawrapper-chart-rq4zc\" src=\"https:\/\/datawrapper.dwcdn.net\/rq4zc\/63\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"423\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a7632b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a7632b0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b95a7a2\" data-id=\"b95a7a2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-707a12e elementor-widget elementor-widget-text-editor\" data-id=\"707a12e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Evoluci\u00f3n del Euribor: <a href=\"https:\/\/www.euribor-rates.eu\/es\/tipos-de-interes-euribor-por-ano\/2023\/\" target=\"_blank\" rel=\"noopener\">Los tipos de inter\u00e9s Euribor durante el a\u00f1o 2023 y anteriores (euribor-rates.eu)<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-40b2aee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"40b2aee\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-437056e\" data-id=\"437056e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5acca66 elementor-widget elementor-widget-html\" data-id=\"5acca66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"\u00cdndice de precios de la vivienda (INE)\" aria-label=\"Interactive line chart\" id=\"datawrapper-chart-XyyTK\" src=\"https:\/\/datawrapper.dwcdn.net\/XyyTK\/1\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"399\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fa7f9e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa7f9e7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-842f6d1\" data-id=\"842f6d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3493de9 elementor-widget elementor-widget-text-editor\" data-id=\"3493de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Art\u00edculo de Carlos Ivorra (Universidad de Valencia) sobre las <a href=\"https:\/\/www.uv.es\/~ivorra\/Libros\/Hipotecas.pdf\" target=\"_blank\" rel=\"noopener\">hipotecas<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b40ba36 elementor-widget elementor-widget-shortcode\" data-id=\"b40ba36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n\\[\n% Funci'on financiera VA pospagable\n\\newcommand{\\eva}[2]{%\n    \\textrm{$a$}_{\\fin{#1} #2}\n    %a_{\\fin{#1} #2}\n}\n% Funci'on financiera VA pospagable\n\\newcommand{\\eval}[2]{%\n    \\textrm{$a$}_{\\finl{#1} #2}\n    %a_{\\fin{#1} #2}\n}\n\n% Funci'on financiera VA prepagable\n\\newcommand{\\evb}[2]{%\n    \\ddot{\\textrm{$a$}}_{\\fin{#1} #2}\n    %a_{\\fin{#1} #2}\n}\n\n% Funci\u00f3n financiera VF pospagable\n\\newcommand{\\evf}[2]{%\ns_{\\fin{#1} #2}\n}\n\n% Funci\u00f3n financiera VF pospagable\n\\newcommand{\\evfl}[2]{%\ns_{\\finl{#1} #2}\n}\n\n% Funci\u00f3n financiera VF prepagable\n\\newcommand{\\evfb}[2]{%\n\\ddot{s}_{\\fin{#1} #2}\n%s_{\\fin{#1} #2}\n}\n\n% Funci\u00f3n financiera\n\\newcommand{\\fin}[2]{{%\n#1 \\mkern-8.5mu\\rule[.55em]{6pt}{.85pt}\\rule{.85pt}{6.5pt}\\, #2 %\n}}\n\n% Funci\u00f3n financiera larga\n\\newcommand{\\finl}[2]{{%\n#1 \\mkern-18.85mu\\rule[.55em]{10pt}{.85pt}\\rule{.85pt}{6.5pt}\\, #2 %\n}}\n\n\\]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18eadc2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18eadc2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b6c6d8\" data-id=\"2b6c6d8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05df719 elementor-widget elementor-widget-video\" data-id=\"05df719\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/3IQibYenet0&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d533c86 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d533c86\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-db58443\" data-id=\"db58443\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3fb55d elementor-widget elementor-widget-heading\" data-id=\"e3fb55d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ejercicios de comprobaci\u00f3n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-238616c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"238616c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f41dc8b\" data-id=\"f41dc8b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d9027a1 elementor-widget elementor-widget-shortcode\" data-id=\"d9027a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"watu_quiz\" class=\"quiz-area \">\n<p><h4>Operaciones de constituci\u00f3n. Pr\u00e9stamos<\/h4>\n<\/p><form action=\"\" method=\"post\" class=\"quiz-form \" id=\"quiz-8\" onsubmit=\"return Watu.submitResult(this)\">\n<input type=\"hidden\" id=\"watu_nonce\" name=\"watu_nonce\" value=\"4cf32b9d7b\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/emodulos\/wp-json\/wp\/v2\/pages\/425\" \/><div class='watu-question' id='question-1'><div class='question-content'><p><span class='watu_num'>1. <\/span>Obtener el capital amortizado en los 5 primeros a\u00f1os de un pr\u00e9stamo de 50.000 \u20ac en 30 a\u00f1os mediante cuotas mensuales al 9% de inter\u00e9s.<\/p>\n<\/div><input type='hidden' name='question_id[]' value='31' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1144' \/><div class='watu-question-choice'><input type='radio' name='answer-31[]' id='answer-id-1144' class='answer answer-1  answerof-31' value='1144' \/>&nbsp;<label for='answer-id-1144' id='answer-label-1144' class=' answer label-1'><span class='answer'>24.138,60 \u20ac<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1146' \/><div class='watu-question-choice'><input type='radio' name='answer-31[]' id='answer-id-1146' class='answer answer-1  answerof-31' value='1146' \/>&nbsp;<label for='answer-id-1146' id='answer-label-1146' class=' answer label-1'><span class='answer'>2.069,25 \u20ac<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1143' \/><div class='watu-question-choice'><input type='radio' name='answer-31[]' id='answer-id-1143' class='answer answer-1  answerof-31' value='1143' \/>&nbsp;<label for='answer-id-1143' id='answer-label-1143' class=' answer label-1'><span class='answer'>2.059,83 \u20ac<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1145' \/><div class='watu-question-choice'><input type='radio' name='answer-31[]' id='answer-id-1145' class='answer answer-1  answerof-31' value='1145' \/>&nbsp;<label for='answer-id-1145' id='answer-label-1145' class=' answer label-1'><span class='answer'>2.011,55 \u20ac<\/span><\/label><\/div>\n<\/div><input type='hidden' id='questionType1' value='radio' class='required'><\/div><div class='watu-question' id='question-2'><div class='question-content'><p><span class='watu_num'>2. <\/span>Queremos constituir un plan de pensiones con aportaciones peri\u00f3dicas anuales de 1.400 \u20ac para formar un capital en el momento de la jubilaci\u00f3n. Si el tipo de inter\u00e9s estimado es del 3%, obtener la cuant\u00eda dentro de 36 a\u00f1os.<\/p>\n<\/div><input type='hidden' name='question_id[]' value='29' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1068' \/><div class='watu-question-choice'><input type='radio' name='answer-29[]' id='answer-id-1068' class='answer answer-2  answerof-29' value='1068' \/>&nbsp;<label for='answer-id-1068' id='answer-label-1068' class=' answer label-2'><span class='answer'>88.586,32 \u20ac<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1070' \/><div class='watu-question-choice'><input type='radio' name='answer-29[]' id='answer-id-1070' class='answer answer-2  answerof-29' value='1070' \/>&nbsp;<label for='answer-id-1070' id='answer-label-1070' class=' answer label-2'><span class='answer'>31.482,11 \u20ac<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1069' \/><div class='watu-question-choice'><input type='radio' name='answer-29[]' id='answer-id-1069' class='answer answer-2  answerof-29' value='1069' \/>&nbsp;<label for='answer-id-1069' id='answer-label-1069' class=' answer label-2'><span class='answer'>30.565,15 \u20ac<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1067' \/><div class='watu-question-choice'><input type='radio' name='answer-29[]' id='answer-id-1067' class='answer answer-2  answerof-29' value='1067' \/>&nbsp;<label for='answer-id-1067' id='answer-label-1067' class=' answer label-2'><span class='answer'>91.243,91 \u20ac<\/span><\/label><\/div>\n<\/div><input type='hidden' id='questionType2' value='radio' class='required'><\/div><div class='watu-question' id='question-3'><div class='question-content'><p><span class='watu_num'>3. <\/span>Determinar la mensualidad de un pr\u00e9stamo hipotecario de 60.000 \u20ac a pagar en 30 a\u00f1os a una tasa de inter\u00e9s nominal del 3%.<\/p>\n<\/div><input type='hidden' name='question_id[]' value='30' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1086' \/><div class='watu-question-choice'><input type='radio' name='answer-30[]' id='answer-id-1086' class='answer answer-3  answerof-30' value='1086' \/>&nbsp;<label for='answer-id-1086' id='answer-label-1086' class=' answer label-3'><span class='answer'>3.061,16 \u20ac<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1085' \/><div class='watu-question-choice'><input type='radio' name='answer-30[]' id='answer-id-1085' class='answer answer-3  answerof-30' value='1085' \/>&nbsp;<label for='answer-id-1085' id='answer-label-1085' class=' answer label-3'><span class='answer'>252,33 \u20ac<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1083' \/><div class='watu-question-choice'><input type='radio' name='answer-30[]' id='answer-id-1083' class='answer answer-3  answerof-30' value='1083' \/>&nbsp;<label for='answer-id-1083' id='answer-label-1083' class=' answer label-3'><span class='answer'>252,96 \u20ac<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1084' \/><div class='watu-question-choice'><input type='radio' name='answer-30[]' id='answer-id-1084' class='answer answer-3  answerof-30' value='1084' \/>&nbsp;<label for='answer-id-1084' id='answer-label-1084' class=' answer label-3'><span class='answer'>1.800,04 \u20ac<\/span><\/label><\/div>\n<\/div><input type='hidden' id='questionType3' value='radio' class='required'><\/div><div class='watu-question' id='question-4'><div class='question-content'><p><span class='watu_num'>4. <\/span>Determinar la TAE correspondiente a un pr\u00e9stamo de 85.000 \u20ac al 5% de inter\u00e9s y 8 a\u00f1os de duraci\u00f3n si los gastos de formalizaci\u00f3n ascienden a 4.900 \u20ac.<\/p>\n<\/div><input type='hidden' name='question_id[]' value='32' \/><div class='watu-questions-wrap '><input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1251' \/><div class='watu-question-choice'><input type='radio' name='answer-32[]' id='answer-id-1251' class='answer answer-4  answerof-32' value='1251' \/>&nbsp;<label for='answer-id-1251' id='answer-label-1251' class=' answer label-4'><span class='answer'>6,4997 %<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1253' \/><div class='watu-question-choice'><input type='radio' name='answer-32[]' id='answer-id-1253' class='answer answer-4  answerof-32' value='1253' \/>&nbsp;<label for='answer-id-1253' id='answer-label-1253' class=' answer label-4'><span class='answer'>6,2098 %<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1252' \/><div class='watu-question-choice'><input type='radio' name='answer-32[]' id='answer-id-1252' class='answer answer-4  answerof-32' value='1252' \/>&nbsp;<label for='answer-id-1252' id='answer-label-1252' class=' answer label-4'><span class='answer'>6,0906 %<\/span><\/label><\/div>\n<input type='hidden' name='answer_ids[]' class='watu-answer-ids' value='1254' \/><div class='watu-question-choice'><input type='radio' name='answer-32[]' id='answer-id-1254' class='answer answer-4  answerof-32' value='1254' \/>&nbsp;<label for='answer-id-1254' id='answer-label-1254' class=' answer label-4'><span class='answer'>5,9713 %<\/span><\/label><\/div>\n<\/div><input type='hidden' id='questionType4' value='radio' class='required'><\/div><div style='display:none' id='question-5'><br \/><div class='question-content'><img decoding=\"async\" src=\"https:\/\/miramegias.com\/emodulos\/wp-content\/plugins\/watu\/loading.gif\" width=\"16\" height=\"16\" alt=\"Cargando ...\" title=\"Cargando ...\" \/>&nbsp;Cargando &#8230;<\/div><\/div><br \/>\n\t<p>Pregunta <span 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