{"id":6683,"date":"2025-07-15T13:34:48","date_gmt":"2025-07-15T13:34:48","guid":{"rendered":"https:\/\/functiontranslator.com\/taux-nominal\/"},"modified":"2021-02-26T08:10:54","modified_gmt":"2021-02-26T08:10:54","slug":"nominal","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/fr\/nominal\/","title":{"rendered":"TAUX.NOMINAL"},"content":{"rendered":"

La fonction NOMINAL<\/strong> (ou TAUX.NOMINAL<\/strong> en fran\u00e7ais) dans Excel et Google Sheets permet de calculer le taux d’int\u00e9r\u00eat nominal \u00e0 partir du taux d’int\u00e9r\u00eat effectif, en tenant compte du nombre de p\u00e9riodes de capitalisation par an. Elle est particuli\u00e8rement utile en analyse financi\u00e8re pour transformer un taux effectif annuel en un taux nominal, qui peut ensuite \u00eatre compar\u00e9 \u00e0 une \u00e9chelle annuelle non capitalis\u00e9e.<\/p>\n

Syntaxe de la fonction<\/h2>\n

La syntaxe g\u00e9n\u00e9rale de la fonction est la suivante :<\/p>\n

NOMINAL(taux_effectif, nper)<\/code><\/pre>\n
    \n
  • taux_effectif<\/code> : Le taux d’int\u00e9r\u00eat effectif annuel.<\/li>\n
  • nper<\/code> : Le nombre de p\u00e9riodes de capitalisation par an.<\/li>\n<\/ul>\n
    Exemples d’utilisation<\/h2>\n
    Pour mieux comprendre comment utiliser TAUX.NOMINAL<\/strong>, voici deux exemples concrets.<\/p>\n
    Exemple 1 : Calcul du taux d’int\u00e9r\u00eat nominal<\/h2>\n
    Consid\u00e9rez un compte \u00e9pargne qui offre un taux d’int\u00e9r\u00eat effectif annuel de 2.54% avec une capitalisation trimestrielle (quatre fois par an). Pour calculer le taux d’int\u00e9r\u00eat nominal correspondant, vous utiliseriez :<\/p>\n
    =NOMINAL(2.54%, 4)<\/code><\/pre>\n
    En entrant cette formule dans Excel ou Google Sheets, vous obtiendrez un taux nominal d’environ 2.48%. Cela indique que, m\u00eame si les int\u00e9r\u00eats sont capitalis\u00e9s trimestriellement, le taux nominal annuel, \u00e9valu\u00e9 sur une base non capitalis\u00e9e, serait de 2.48%.<\/p>\n
    Exemple 2 : Comparaison des offres de pr\u00eats<\/h2>\n
    Imaginez que vous comparez deux offres de pr\u00eats : l’une \u00e0 un taux d’int\u00e9r\u00eat effectif de 3.75% avec une capitalisation mensuelle et l’autre \u00e0 un taux d’3.70% avec une capitalisation semestrielle. Pour comparer les taux nominaux, vous pourriez saisir les formules suivantes :<\/p>\n
    =NOMINAL(3.75%, 12) \/\/ Pour le pr\u00eat avec capitalisation mensuelle =NOMINAL(3.70%, 2) \/\/ Pour le pr\u00eat avec capitalisation semestrielle<\/code><\/pre>\n
    Les r\u00e9sultats obtenus vous aideraient \u00e0 identifier l’offre la plus avantageuse en termes de co\u00fbt r\u00e9el du cr\u00e9dit, malgr\u00e9 les diff\u00e9rences de fr\u00e9quence de capitalisation.<\/p>\n","protected":false},"excerpt":{"rendered":"
    CalCule le taux d\u2019int\u00e9r\u00eat nominal annuel<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[311],"tags":[],"class_list":["post-6683","post","type-post","status-publish","format-standard","hentry","category-finances"],"acf":[],"yoast_head":"\nFonction NOMINAL (TAUX.NOMINAL) dans Excel : comment \u00e7a marche, exemples et syntaxe<\/title>\n<meta name=\"description\" content=\"Pr\u00e9sentation de la fonction NOMINAL (TAUX.NOMINAL) d\u2019Excel et Google Sheets. 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