{"id":1572,"date":"2017-12-14T09:40:00","date_gmt":"2017-12-14T09:40:00","guid":{"rendered":""},"modified":"2022-08-08T09:33:53","modified_gmt":"2022-08-08T09:33:53","slug":"tae-que-es-la-tasa-anual-equivalente","status":"publish","type":"post","link":"https:\/\/prayde.com\/empresa\/tae-que-es-la-tasa-anual-equivalente\/","title":{"rendered":"TAE. Que es la Tasa Anual equivalente"},"content":{"rendered":"


\n<\/p>\n

<\/p>\n

\nEn las operaciones de pr\u00e9stamos
\nconviene precisar el tipo de inter\u00e9s nominal<\/span><\/em><\/h3>\n
\nque es la cantidad que el
\nprestamista cobrara peri\u00f3dicamente (habitualmente cada mes) por el pr\u00e9stamo y <\/span><\/em><\/div>\n

\nel inter\u00e9s efectivo anual que se paga por el pr\u00e9stamo, conocido por TAE<\/span><\/em><\/h3>\n
\n<\/div>\n
\nEste TAE nos permite poder
\ncomparar dos pr\u00e9stamos, siendo m\u00e1s econ\u00f3mico el de menor TAE <\/span><\/em><\/div>\n

\nLa definici\u00f3n legal del TAE se refleja en la <\/span><\/em>Circular 5\/2012, de
\n27 de junio, del Banco de Espa\u00f1a<\/a>, <\/span>a
\nentidades de cr\u00e9dito y proveedores de servicios de pago<\/span>, sobre transparencia
\nde los servicios bancarios y responsabilidad en la concesi\u00f3n de pr\u00e9stamos, <\/span>\u00abBOE\u00bb n\u00fam. 161, de 6 de julio de 2012<\/span><\/h3>\n
\nEsta circular actualmente
\nvigente, deroga la anterior<\/b> Circular n\u00famero 8\/1990<\/span><\/a>, de 7 de
\nseptiembre, a Entidades de Cr\u00e9dito, sobre transparencia de las operaciones y
\nprotecci\u00f3n de la clientela<\/span><\/em><\/div>\n
\n<\/div>\n
\nLa
\ndefinici\u00f3n se encuentra en el CAP\u00cdTULO VI. Tipos de inter\u00e9s<\/span><\/div>\n
\nNorma
\ndecimotercera. Tasa anual equivalente y
\ncoste o rendimiento efectivo remanente<\/b>.<\/span><\/div>\n
\n1.
\nEn los documentos e informaciones previstos en esta Circular y en otras
\ndisposiciones que se remitan a esta, para el c\u00e1lculo de la tasa anual
\nequivalente y del coste o rendimiento efectivo remanente deber\u00e1n tenerse en
\ncuenta las indicaciones de la presente Norma.<\/span><\/div>\n
\n<\/div>\n
\n2.
\nLa tasa anual equivalente (TAE), que es
\naquella que iguala en cualquier fecha el valor actual de los efectivos
\nentregados y recibidos a lo largo de la operaci\u00f3n<\/b>, se calcular\u00e1 de acuerdo
\ncon la formulaci\u00f3n matem\u00e1tica que figura en el anejo 7.<\/span><\/div>\n
\n<\/div>\n
\nANEJO
\n7<\/span><\/div>\n
\nC\u00e1lculo de la Tasa
\nAnual Equivalente<\/span><\/b><\/div>\n
\nLa
\nequivalencia financiera a que se refiere el apartado 2 de la norma decimotercera
\nde esta Circular tiene la siguiente
\nexpresi\u00f3n matem\u00e1tica<\/b>.<\/span><\/div>\n
\n<\/div>\n
\n<\/a><\/div>\n
\n<\/div>\n
\n<\/span><\/span><\/div>\n
\nSiendo:<\/span><\/div>\n
\nC = Disposiciones<\/span><\/div>\n
\nk<\/span><\/em> es el n\u00famero de orden de cada una de las
\ndisposiciones de fondos, por lo que 1\u2264 k
\n\u2264 m<\/span><\/em><\/span><\/div>\n
\nm<\/span><\/em> es el n\u00famero de orden de la \u00faltima
\ndisposici\u00f3n<\/span><\/div>\n
\nC<\/span><\/em>k<\/span><\/sub> es el importe de la disposici\u00f3n
\nn\u00famero k<\/span><\/em><\/span><\/div>\n
\ntk<\/sub> = Intervalo de tiempo,
\nexpresado en a\u00f1os y fracciones de a\u00f1o, transcurrido entre la fecha de la
\nprimera disposici\u00f3n y la fecha de cada una de las disposiciones siguientes, de
\nmodo que t1<\/sub>=0<\/span><\/div>\n
\nD = Pagos por amortizaci\u00f3n, intereses,
\ncomisiones u otros gastos de la operaci\u00f3n<\/span><\/div>\n
\nl<\/span><\/em> es el n\u00famero de orden de cada uno de los
\npagos, por lo que 1\u2264 l \u2264 m\u2019<\/span><\/div>\n
\nm\u2019<\/span><\/em> es el n\u00famero de orden del \u00faltimo pago<\/span><\/div>\n
\nDl<\/sub> es el importe del pago n\u00famero l<\/span><\/div>\n
\nsl<\/sub> = Intervalo de tiempo,
\nexpresado en a\u00f1os y fracciones de a\u00f1o, transcurrido entre la fecha de la
\nprimera disposici\u00f3n y la fecha de cada uno de los pagos<\/span><\/div>\n
\nX es la TAE<\/span><\/div>\n
\n<\/div>\n
\nObservaciones<\/span><\/b>:<\/span><\/div>\n
\na) Las
\nsumas abonadas por cada una de las partes en diferentes momentos no son
\nnecesariamente iguales<\/b> ni se abonan necesariamente a intervalos iguales.<\/span><\/div>\n
\n<\/div>\n
\nb) La
\nfecha inicial es la de la primera disposici\u00f3n<\/b> de fondos.<\/span><\/div>\n
\n<\/div>\n
\nc) Los
\nintervalos entre las fechas utilizadas en los c\u00e1lculos se expresar\u00e1n en a\u00f1os o
\nfracciones de a\u00f1o<\/b>. Un a\u00f1o tiene 365
\nd\u00edas<\/b> (en el caso de los a\u00f1os bisiestos, 366), 52 semanas o doce meses
\nnormalizados. Un mes normalizado tiene 30,41666 d\u00edas (es decir, 365\/12), con
\nindependencia de que el a\u00f1o sea bisiesto o no.<\/span><\/div>\n
\n<\/div>\n
\nd) El
\nresultado del c\u00e1lculo se expresar\u00e1 con una precisi\u00f3n de un decimal como m\u00ednimo<\/b>.
\nSi la cifra del decimal siguiente es superior o igual a 5, el primer decimal se
\nredondear\u00e1 a la cifra superior.<\/span><\/div>\n","protected":false},"excerpt":{"rendered":"

En las operaciones de pr\u00e9stamos conviene precisar el tipo de inter\u00e9s nominal que es la cantidad que el prestamista cobrara peri\u00f3dicamente (habitualmente cada mes) por el pr\u00e9stamo y  el inter\u00e9s\u2026 Continue leyendo<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[37,19],"class_list":["post-1572","post","type-post","status-publish","format-standard","hentry","category-sin-categoria","tag-financiacion","tag-legislacion"],"yoast_head":"\nTAE. 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