CASO1:

Pepito Lopez desea comprarse una casa valorizada en S/: 100,000.00, para ello da una inicial de S/.
20,000.00 pagaderos en 24 meses. La TCEA = 36%, el banco le otorga un periodo de gracia de 3
meses vencidos.
i) Paga 10 cuotas y luego
deja de pagar 4 cuotas para iniciar a pagar el mes siguiente. La tasa moratoria aplicada es = 48%

DATOS
Valor Prod.
Inicial
VP
tcea
tcea Mora
Cuotas

S/.100,000.00
S/.20,000.00
S/.80,000.00
36%
48%
24

TEM
TEM

2.5955%
3.3210%

LUEGO DEL PERIODO DE GRACIA

VP1
S/.84,206.6658
Renta R
S/.4,758.0396

VP1
S/.108,800.0000

HALLANDO VP2
RENTAS PAGADAS
S/.53,540.2906

HALLANDO VP3
Renta R1

VP2
S/.55,259.7094
S/.62,974.1772
S/.5,422.2802

ii) Qu hubiera pasado si esos S/. 80,000.00 los hubiera ahorrado a esas tasas?
VF:
S/.177,491.76

CUADRO DE AMORTIZACIN
Mes
0
1
2
3
4
5
6
7
8
9

n
0
0
0
1
2
3
4
5
6
7

Cuota
S/.0.00

Intereses
S/.0.00

Amortiz.
S/.0.00

S/.4,758.0396
S/.4,758.0396
S/.4,758.0396
S/.4,758.0396
S/.4,758.0396
S/.4,758.0396
S/.4,758.0396

S/.2,185.57
S/.2,118.80
S/.2,050.30
S/.1,980.02
S/.1,907.92
S/.1,833.94
S/.1,758.05

S/.2,572.47
S/.2,639.24
S/.2,707.74
S/.2,778.02
S/.2,850.12
S/.2,924.09
S/.2,999.99

10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

8
9
10
0
0
0
0
11
12
13
14
15
16
17
18
19
20
21
22
23
24

S/.4,758.0396 S/.1,680.19
S/.4,758.0396 S/.1,600.30
S/.4,758.0396 S/.1,518.34

S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.5,422.2802
S/.123,492.32

S/.3,077.85
S/.3,157.74
S/.3,239.70

S/.1,634.48
S/.3,787.80
S/.1,536.17
S/.3,886.11
S/.1,435.31
S/.3,986.97
S/.1,331.83
S/.4,090.45
S/.1,225.66
S/.4,196.62
S/.1,116.74
S/.4,305.54
S/.1,004.99
S/.4,417.29
S/.890.34
S/.4,531.94
S/.772.71
S/.4,649.57
S/.652.03
S/.4,770.25
S/.528.22
S/.4,894.06
S/.401.20
S/.5,021.08
S/.270.88
S/.5,151.40
S/.137.17
S/.5,285.11
### S/.91,921.13

DIAGR

ello da una inicial de S/.

riodo de gracia de 3
Paga 10 cuotas y luego
ria aplicada es = 48%

sas?

IN
Deuda Residual Deuda Extinguida
S/.80,000.0000
S/.0.00
S/.82,076.3868
S/.0.00
S/.84,206.6658
S/.0.00
S/.81,634.1963
S/.2,572.47
S/.78,994.9588
S/.5,211.71
S/.76,287.2203
S/.7,919.45
S/.73,509.2029
S/.10,697.46
S/.70,659.0825
S/.13,547.58
S/.67,734.9877
S/.16,471.68
S/.64,734.9985
S/.19,471.67

S/.61,657.1451
S/.58,499.4066
S/.55,259.7094
S/.57,094.8680
S/.58,990.9716
S/.60,950.0443
S/.62,974.1772
S/.59,186.3813
S/.55,300.2739
S/.51,313.3032
S/.47,222.8512
S/.43,026.2323
S/.38,720.6909
S/.34,303.3998
S/.29,771.4587
S/.25,121.8918
S/.20,351.6461
S/.15,457.5895
S/.10,436.5085
S/.5,285.1061
S/.0.0000

S/.22,549.52
S/.25,707.26
S/.28,946.96
S/.28,946.96
S/.28,946.96
S/.28,946.96
S/.28,946.96
S/.32,734.75
S/.36,620.86
S/.40,607.83
S/.44,698.28
S/.48,894.90
S/.53,200.44
S/.57,617.73
S/.62,149.67
S/.66,799.24
S/.71,569.49
S/.76,463.54
S/.81,484.63
S/.86,636.03
S/.91,921.13

DIAGRAMA DE FLUJO