Existen 3 tipos de Sistemas de Amortización

Sistema Financiero Francés

Obliga que las cuotas sean iguales en un tiempo uniforme
Cada cuota incluye parte del capital o principal y otra del Interés.
El interés decrece y el principal aumenta

Ejemplo:
Importe 5000
Plazos (meses) 6
TEA 48%
TEM 0.0332097036
Cuota Financiera S/932.83

Tabla de Amortización

Meses Saldo inicial Interés Principal Cuota Financiera

0
1 5000 S/166.05 S/766.78 S/932.83
2 4233.2182111983 S/140.58 S/792.25 S/932.83
3 3440.97182647 S/114.27 S/818.56 S/932.83
4 2622.415174132 S/87.09 S/845.74 S/932.83
5 1776.674497995 S/59.00 S/873.83 S/932.83
6 902.8470246877 S/29.98 S/902.85 S/932.83

Tabla de amortización es el despliegue de cuotas mes a mes hasta que la deuda llegue a cero.

Cronograma de pagos con seguro desgravamen y Comisión

Comisión se aplica al importe solicitado.
Desgravamen: es un monto fijo o un porcentaje al importe

La comisión es para el asesor del préstamo, cobran comisión por darte dinero (préstamo).
El seguro desgravamen es el seguro que paga la deuda; se sigue debiendo normal y figura como moroso
Cubrir la deuda en caso pase algo

Ejemplo:
Importe S/ 7,000.00 Desgravamen
TEA 30% Comisión
Plazo (meses) 12 Comisión
Ripo de cuota Constante
TEM 0.022104
Cuota financiera S/670.50
Fecha de desembolso 12/5/2015
Forma de pago cada 30 días

Periodo Fecha pago Saldo_inicial Interés Principal

0 12/5/2015
1 1/4/2016 7000 S/154.73 S/515.77
2 2/3/2016 6484.229486149 S/143.33 S/527.17
3 3/4/2016 5957.0581484569 S/131.68 S/538.82
4 4/3/2016 5418.2339779764 S/119.77 S/550.73
5 5/3/2016 4867.4993952409 S/107.59 S/562.91
6 6/2/2016 4304.5911271311 S/95.15 S/575.35
7 7/2/2016 3729.2400810201 S/82.43 S/588.07
8 8/1/2016 3141.1712161364 S/69.43 S/601.07
9 8/31/2016 2540.1034120832 S/56.15 S/614.35
10 9/30/2016 1925.749334452 S/42.57 S/627.93
11 10/30/2016 1297.8152974647 S/28.69 S/641.81
12 11/29/2016 656.0011235808 S/14.50 S/656.00
Totales > S/1,046.02 S/7,000.00
 Función para el interés --> Función PAGOINT

Saldo Final El saldo final es el saldo inicial menos el principal

5000
S/4,233.22
S/3,440.97
S/2,622.42
S/1,776.67
S/902.85
S/0.00 deuda final

a llegue a cero.

Carta libre deuda

préstamo).
mal y figura como moroso

S/ 2.50 El seguro desgravamen.Se paga mensualmente al momento

 1% Aplica al importe
S/ 70.00 anual
S/ 5.83 cada mes

Desgravamen Comisión Cuota Financiera Total Cuota Saldo Final

S/0.00 7000
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/6,484.23
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/5,957.06
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/5,418.23
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/4,867.50
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/4,304.59
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/3,729.24
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/3,141.17
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/2,540.10
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/1,925.75
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/1,297.82
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/656.00
S/ 2.50 S/ 5.83 S/670.50 S/ 678.84 S/0.00
S/ 30.00 S/ 70.00 S/ 8,046.02 S/ 8,146.02
ensualmente al momento de adquirir un crédito
CON VARIACIÓN DE TASA

Ejemplo:
Importe S/ 10,000.00 Desgravamen
TEA 45% Comisión
Plazo (meses) 12 Comisión
Tipo de cuota Constante
TEM 0.031448
Cuota financiera S/1,013.32
Fecha de desembolso 12/15/2015
Forma de pago cada 30 días

Periodo Fecha pago Saldo_inicial Interés Principal

0 12/15/2015
1 1/14/2016 10000 S/314.48 S/698.84
2 2/13/2016 9301.1557970154 S/292.50 S/720.82
3 3/14/2016 8580.3343491287 S/269.83 S/743.49
4 4/13/2016 7836.8445161811 S/246.45 S/766.87
5 5/13/2016 7069.9734230455 S/222.34 S/790.99
6 6/12/2016 6278.9857761056 S/233.56 S/801.77
7 7/12/2016 5477.2142056452 S/203.73 S/831.59
8 8/11/2016 4645.6196686618 S/172.80 S/862.53
9 9/10/2016 3783.0928600056 S/140.72 S/894.61
10 10/10/2016 2888.4832124369 S/107.44 S/927.89
11 11/9/2016 1960.597361828 S/72.93 S/962.40
12 12/9/2016 998.1975552754 S/37.13 S/998.20
Totales > S/2,313.91 S/10,000.00

vuelves al periodo inicial "1"

 Variación de Tasa

S/ 4.50 TEA2
1.20% Aplica al importe A partir del mes
S/ 120.00 anual Saldo deudor
S/ 10.00 cada mes TEM2
Cuota financiera 2
Plazo (meses)

Desgravamen Comisión Cuota Financiera Total Cuota Saldo Final

-9880 10000
S/ 4.50 S/ 10.00 S/1,013.32 S/ 1,027.82 S/9,301.16
S/ 4.50 S/ 10.00 S/1,013.32 S/ 1,027.82 S/8,580.33
S/ 4.50 S/ 10.00 S/1,013.32 S/ 1,027.82 S/7,836.84
S/ 4.50 S/ 10.00 S/1,013.32 S/ 1,027.82 S/7,069.97
S/ 4.50 S/ 10.00 S/1,013.32 S/ 1,027.82 S/6,278.99
S/ 4.50 S/ 10.00 S/1,035.33 S/ 1,049.83 S/5,477.21
S/ 4.50 S/ 10.00 S/1,035.33 S/ 1,049.83 S/4,645.62
S/ 4.50 S/ 10.00 S/1,035.33 S/ 1,049.83 S/3,783.09
S/ 4.50 S/ 10.00 S/1,035.33 S/ 1,049.83 S/2,888.48
S/ 4.50 S/ 10.00 S/1,035.33 S/ 1,049.83 S/1,960.60
S/ 4.50 S/ 10.00 S/1,035.33 S/ 1,049.83 S/998.20
S/ 4.50 S/ 10.00 S/1,035.33 S/ 1,049.83 S/0.00
S/54.00 S/120.00 S/12,313.91 S/12,487.91

3.78%
TCEA 56.12%
 55%
6
S/6,278.99
0.0371963382
S/1,035.33
7 Porque se pago hasta el mes 5

cambia la cuota financiera

(debido a la nueva tasa)
Cronograma de pagos - Préstamo Vehicular

Valor del vehículo S/ 16,000.00 TEA

% de financiamiento 80% TEM
Importe del préstamo S/ 12,800.00 Seguro desgravamen
Fecha del préstamo 6/17/2015 Seguro vehicular
Plazo de operación 5 años Portes
Número de cuotas (meses) 60 Cuota financiera

Periodo Fechade Pago Amortización Interés Desgravamen

0 6/17/2015
1 7/17/2015 S/151.86 S/140.53 S/ 1.92
2 8/16/2015 S/153.52 S/138.86 S/ 1.90
3 9/15/2015 S/155.21 S/137.18 S/ 1.87
4 10/15/2015 S/156.91 S/135.47 S/ 1.85
5 11/14/2015 S/158.63 S/133.75 S/ 1.83
6 12/14/2015 S/160.38 S/132.01 S/ 1.80
7 1/13/2016 S/162.14 S/130.25 S/ 1.78
8 2/12/2016 S/163.92 S/128.47 S/ 1.76
9 3/13/2016 S/165.72 S/126.67 S/ 1.73
10 4/12/2016 S/167.54 S/124.85 S/ 1.71
11 5/12/2016 S/169.38 S/123.01 S/ 1.68
12 6/11/2016 S/171.24 S/121.15 S/ 1.66
13 7/11/2016 S/173.12 S/119.27 S/ 1.63
14 8/10/2016 S/175.02 S/117.37 S/ 1.60
15 9/9/2016 S/176.94 S/115.45 S/ 1.58
16 10/9/2016 S/178.88 S/113.50 S/ 1.55
17 11/8/2016 S/180.84 S/111.54 S/ 1.52
18 12/8/2016 S/182.83 S/109.56 S/ 1.50
19 1/7/2017 S/184.84 S/107.55 S/ 1.47
20 2/6/2017 S/186.87 S/105.52 S/ 1.44
21 3/8/2017 S/188.92 S/103.47 S/ 1.41
22 4/7/2017 S/190.99 S/101.39 S/ 1.39
23 5/7/2017 S/193.09 S/99.30 S/ 1.36
24 6/6/2017 S/195.21 S/97.18 S/ 1.33
25 7/6/2017 S/197.35 S/95.03 S/ 1.30
26 8/5/2017 S/199.52 S/92.87 S/ 1.27
27 9/4/2017 S/201.71 S/90.68 S/ 1.24
28 10/4/2017 S/203.92 S/88.46 S/ 1.21
29 11/3/2017 S/206.16 S/86.22 S/ 1.18
30 12/3/2017 S/208.43 S/83.96 S/ 1.15
31 1/2/2018 S/210.71 S/81.67 S/ 1.12
32 2/1/2018 S/213.03 S/79.36 S/ 1.08
33 3/3/2018 S/215.37 S/77.02 S/ 1.05
34 4/2/2018 S/217.73 S/74.65 S/ 1.02
35 5/2/2018 S/220.12 S/72.26 S/ 0.99
36 6/1/2018 S/222.54 S/69.85 S/ 0.95
37 7/1/2018 S/224.98 S/67.40 S/ 0.92
38 7/31/2018 S/227.45 S/64.93 S/ 0.89
39 8/30/2018 S/229.95 S/62.44 S/ 0.85
40 9/29/2018 S/232.47 S/59.91 S/ 0.82
41 10/29/2018 S/235.02 S/57.36 S/ 0.78
42 11/28/2018 S/237.60 S/54.78 S/ 0.75
43 12/28/2018 S/240.21 S/52.17 S/ 0.71
44 1/27/2019 S/242.85 S/49.53 S/ 0.68
45 2/26/2019 S/245.52 S/46.87 S/ 0.64
46 3/28/2019 S/248.21 S/44.17 S/ 0.60
47 4/27/2019 S/250.94 S/41.45 S/ 0.57
48 5/27/2019 S/253.69 S/38.69 S/ 0.53
49 6/26/2019 S/256.48 S/35.91 S/ 0.49
50 7/26/2019 S/259.29 S/33.09 S/ 0.45
51 8/25/2019 S/262.14 S/30.24 S/ 0.41
52 9/24/2019 S/265.02 S/27.37 S/ 0.37
53 10/24/2019 S/267.93 S/24.46 S/ 0.33
54 11/23/2019 S/270.87 S/21.52 S/ 0.29
55 12/23/2019 S/273.84 S/18.54 S/ 0.25
56 1/22/2020 S/276.85 S/15.53 S/ 0.21
57 2/21/2020 S/279.89 S/12.50 S/ 0.17
58 3/22/2020 S/282.96 S/9.42 S/ 0.13
59 4/21/2020 S/286.07 S/6.32 S/ 0.09
60 5/21/2020 S/289.21 S/3.18 S/ 0.04
 14%
0.010978852
0.015% Aplicar sobre el saldo del préstamo
0.10% Aplicar sobre el valor del vehículo (NO del préstamo)
3.5 Cada mes
S/292.38

Seg. Vehicular Portes Cuota Total Saldo

S/ 12,800.00
S/ 16.00 3.5 S/ 313.80 S/ 12,648.14
S/ 16.00 3.5 S/ 313.78 S/ 12,494.62
S/ 16.00 3.5 S/ 313.76 S/ 12,339.41
S/ 16.00 3.5 S/ 313.74 S/ 12,182.50
S/ 16.00 3.5 S/ 313.71 S/ 12,023.87
S/ 16.00 3.5 S/ 313.69 S/ 11,863.49
S/ 16.00 3.5 S/ 313.66 S/ 11,701.35
S/ 16.00 3.5 S/ 313.64 S/ 11,537.44
S/ 16.00 3.5 S/ 313.62 S/ 11,371.72
S/ 16.00 3.5 S/ 313.59 S/ 11,204.18
S/ 16.00 3.5 S/ 313.57 S/ 11,034.81
S/ 16.00 3.5 S/ 313.54 S/ 10,863.57
S/ 16.00 3.5 S/ 313.51 S/ 10,690.46
S/ 16.00 3.5 S/ 313.49 S/ 10,515.44
S/ 16.00 3.5 S/ 313.46 S/ 10,338.50
S/ 16.00 3.5 S/ 313.44 S/ 10,159.62
S/ 16.00 3.5 S/ 313.41 S/ 9,978.78
S/ 16.00 3.5 S/ 313.38 S/ 9,795.95
S/ 16.00 3.5 S/ 313.35 S/ 9,611.11
S/ 16.00 3.5 S/ 313.33 S/ 9,424.25
S/ 16.00 3.5 S/ 313.30 S/ 9,235.33
S/ 16.00 3.5 S/ 313.27 S/ 9,044.34
S/ 16.00 3.5 S/ 313.24 S/ 8,851.25
S/ 16.00 3.5 S/ 313.21 S/ 8,656.04
S/ 16.00 3.5 S/ 313.18 S/ 8,458.69
S/ 16.00 3.5 S/ 313.15 S/ 8,259.17
S/ 16.00 3.5 S/ 313.12 S/ 8,057.46
S/ 16.00 3.5 S/ 313.09 S/ 7,853.54
S/ 16.00 3.5 S/ 313.06 S/ 7,647.38
S/ 16.00 3.5 S/ 313.03 S/ 7,438.95
S/ 16.00 3.5 S/ 313.00 S/ 7,228.24
S/ 16.00 3.5 S/ 312.97 S/ 7,015.21
S/ 16.00 3.5 S/ 312.94 S/ 6,799.85
S/ 16.00 3.5 S/ 312.90 S/ 6,582.12
S/ 16.00 3.5 S/ 312.87 S/ 6,361.99
S/ 16.00 3.5 S/ 312.84 S/ 6,139.46
S/ 16.00 3.5 S/ 312.81 S/ 5,914.48
S/ 16.00 3.5 S/ 312.77 S/ 5,687.03
S/ 16.00 3.5 S/ 312.74 S/ 5,457.08
S/ 16.00 3.5 S/ 312.70 S/ 5,224.61
S/ 16.00 3.5 S/ 312.67 S/ 4,989.58
S/ 16.00 3.5 S/ 312.63 S/ 4,751.98
S/ 16.00 3.5 S/ 312.60 S/ 4,511.76
S/ 16.00 3.5 S/ 312.56 S/ 4,268.91
S/ 16.00 3.5 S/ 312.53 S/ 4,023.39
S/ 16.00 3.5 S/ 312.49 S/ 3,775.18
S/ 16.00 3.5 S/ 312.45 S/ 3,524.24
S/ 16.00 3.5 S/ 312.41 S/ 3,270.55
S/ 16.00 3.5 S/ 312.38 S/ 3,014.07
S/ 16.00 3.5 S/ 312.34 S/ 2,754.78
S/ 16.00 3.5 S/ 312.30 S/ 2,492.64
S/ 16.00 3.5 S/ 312.26 S/ 2,227.62
S/ 16.00 3.5 S/ 312.22 S/ 1,959.69
S/ 16.00 3.5 S/ 312.18 S/ 1,688.82
S/ 16.00 3.5 S/ 312.14 S/ 1,414.98
S/ 16.00 3.5 S/ 312.10 S/ 1,138.13
S/ 16.00 3.5 S/ 312.06 S/ 858.24
S/ 16.00 3.5 S/ 312.01 S/ 575.28
S/ 16.00 3.5 S/ 311.97 S/ 289.21
S/ 16.00 3.5 S/ 311.93 S/ 0.00