Análisis comparativo entre interés simple y anualidad para determinar el más conveniente cuando se adquiere productos de línea blanca.

Abstract

In the present investigation the offers for the credit purchase of white goods were analyzed through the application of formulas that allow determining if it is more convenient when they apply a simple interest or an annuity for a value owed. A comparative methodology was developed, based on obtaining quantitative information in the Marcimex and Economic Credits stores (prices, interest, payment times), which were developed with the application of simple interest formulas and annuity due, thus allowing comparison the results of both operations to then perform the respective analysis. Commercial loans often bring greater benefits for companies, stores or businesses, since at higher interest, more profits will be obtained, in these cases is a negative for consumers, who would have exorbitant amounts for products that could be purchased low prices with the money due. Comparing the results it was determined that the best method to acquire a product on credit is through simple interest, a fixed amount is paid month by month, the interest does not accumulate, in the case of an annuity due the interest rate presents an increase with respect to the previous method, the interest accrues month by month, so that more money will be paid. Considering the stores, it would be more appropriate to buy in Economic Credits because it has a lower interest rate than Marcimex.