ÍNDICE

SESIÓN 29 a 32
CRONOGRAMAS ESPECIALES
1 Variación de tasas
2 Fecha Fija
3 Cuotas dobles
4 Cuota by pass
5 Cuota comodín
6 Hipotecario
7 Vehicular
8 Liquidación de pago
7 Reestructuración
8 Cuota - Renta
 CUOTAS CONSTANTES SIN PLAZO DE GRACIA

Capital 12,000.00
Moneda Nuevos Soles
TEA1 30.00%
Plazo 12 meses
Tipo de cuota Constante
TEM1 2.21%
Cuota1
Fecha de desembolso 12/5/2015
Forma de pago cada 30 días

Fecha de
Periodo Amortización Interés Cuota Saldo
pago
0
1
2
3
4
1
2
3
4
5
6
7
8
Totales
SIN PLAZO DE GRACIA Y CON CAMBIO DE TASA

Variación de tasa
TEA2 40.00%
A partir del 5 8
Saldo deudor A partir del: 5
TEM2 2.84% 0.0221045 Saldo Deudo8344.2847
Cuota2 S/. 0.00 1149.4314 TEM 0.0284362
Cuota2 1180.8677

Fecha de Amortizaci
Periodo Interés Cuota Saldo
pago ón
0 12/5/2012 12,000.00
1 1/4/2013 884.18 265.25 1,149.43 11,115.82
2 2/3/2013 903.72 245.71 1,149.43 10,212.10
3 3/5/2013 923.70 225.73 1,149.43 9,288.40
4 4/4/2013 944.12 205.32 1,149.43 8,344.28
5 5/4/2013 943.59 237.28 1,180.87 7,400.70
6 6/3/2013 970.42 210.45 1,180.87 6,430.28
7 7/3/2013 998.02 182.85 1,180.87 5,432.26
8 8/2/2013 1,026.40 154.47 1,180.87 4,405.87
9 9/1/2013 1,055.58 125.29 1,180.87 3,350.28
10 10/1/2013 1,085.60 95.27 1,180.87 2,264.69
11 10/31/2013 1,116.47 64.40 1,180.87 1,148.22
12 11/30/2013 1,148.22 32.65 1,180.87 0.00
Totales 12,000.00 2,044.67 14,044.67
 CUOTAS CONSTANTES SIN PLAZO DE GRACIA Y CON CAMBIO DE

Capital S/. 38,000.00

Moneda Nuevos Soles
TEA1 27.00%
Plazo 36 Meses
Tipo de cuota Constante
TEM1 2.01%
Cuota1 S/. 1,493.67
Fecha de desembolso 10/15/2014
Forma de pago Cada 30 días

Fecha de Amortización Interés Cuota

Periodo Pago
0 10/15/2014 S/. - S/. - S/. -
1 11/14/2014 S/. 729.19 S/. 764.48 S/. 1,493.67
2 12/14/2014 S/. 743.86 S/. 749.81 S/. 1,493.67
3 1/13/2015 S/. 758.83 S/. 734.84 S/. 1,493.67
4 2/12/2015 S/. 774.09 S/. 719.57 S/. 1,493.67
5 3/14/2015 S/. 789.67 S/. 704.00 S/. 1,493.67
6 4/13/2015 S/. 805.55 S/. 688.12 S/. 1,493.67
7 5/13/2015 S/. 821.76 S/. 671.91 S/. 1,493.67
8 6/12/2015 S/. 838.29 S/. 655.38 S/. 1,493.67
9 7/12/2015 S/. 855.16 S/. 638.51 S/. 1,493.67
10 8/11/2015 S/. 872.36 S/. 621.31 S/. 1,493.67
11 9/10/2015 S/. 889.91 S/. 603.76 S/. 1,493.67
12 10/10/2015 S/. 907.81 S/. 585.86 S/. 1,493.67
13 11/9/2015 S/. 926.08 S/. 567.59 S/. 1,493.67
14 12/9/2015 S/. 944.71 S/. 548.96 S/. 1,493.67
15 1/8/2016 S/. 963.71 S/. 529.96 S/. 1,493.67
16 2/7/2016 S/. 983.10 S/. 510.57 S/. 1,493.67
17 3/8/2016 S/. 1,002.88 S/. 490.79 S/. 1,493.67
1 4/7/2016 S/. 1,013.48 S/. 493.98 S/. 1,507.46
2 5/7/2016 S/. 1,034.88 S/. 472.58 S/. 1,507.46
3 6/6/2016 S/. 1,056.73 S/. 450.72 S/. 1,507.46
4 7/6/2016 S/. 1,079.05 S/. 428.41 S/. 1,507.46
5 8/5/2016 S/. 1,101.83 S/. 405.62 S/. 1,507.46
6 9/4/2016 S/. 1,125.10 S/. 382.36 S/. 1,507.46
7 10/4/2016 S/. 1,148.86 S/. 358.60 S/. 1,507.46
8 11/3/2016 S/. 1,173.12 S/. 334.34 S/. 1,507.46
9 12/3/2016 S/. 1,197.89 S/. 309.57 S/. 1,507.46
10 1/2/2017 S/. 1,223.18 S/. 284.27 S/. 1,507.46
11 2/1/2017 S/. 1,249.01 S/. 258.44 S/. 1,507.46
12 3/3/2017 S/. 1,275.39 S/. 232.07 S/. 1,507.46
13 4/2/2017 S/. 1,302.32 S/. 205.14 S/. 1,507.46
14 5/2/2017 S/. 1,329.82 S/. 177.64 S/. 1,507.46
15 6/1/2017 S/. 1,357.90 S/. 149.55 S/. 1,507.46
16 7/1/2017 S/. 1,386.58 S/. 120.88 S/. 1,507.46
17 7/31/2017 S/. 1,415.85 S/. 91.60 S/. 1,507.46
18 8/30/2017 S/. 1,445.75 S/. 61.70 S/. 1,507.46
19 9/29/2017 S/. 1,476.28 S/. 31.17 S/. 1,507.46
Totales S/. 38,000.00 S/. 16,034.03 S/. 54,034.03
O DE GRACIA Y CON CAMBIO DE TASA

Variación de tasa
TEA2 28.50%
A partir del 18 19
Saldo deudor S/. 23,393.02
TEM2 2.11%
Cuota2 S/. 1,507.46

Saldo
S/. 38,000.00
S/. 37,270.81
S/. 36,526.94
S/. 35,768.11
S/. 34,994.02
S/. 34,204.35
S/. 33,398.79
S/. 32,577.03
S/. 31,738.74
S/. 30,883.59
S/. 30,011.22
S/. 29,121.31
S/. 28,213.50
S/. 27,287.42
S/. 26,342.72
S/. 25,379.00
S/. 24,395.90
S/. 23,393.02
S/. 22,379.55
S/. 21,344.67
S/. 20,287.93
S/. 19,208.89
S/. 18,107.05
S/. 16,981.95
S/. 15,833.10
S/. 14,659.98
S/. 13,462.09
S/. 12,238.91
S/. 10,989.89
S/. 9,714.51
S/. 8,412.19
S/. 7,082.37
S/. 5,724.46
S/. 4,337.89
S/. 2,922.03
S/. 1,476.28
S/. -0.00
 CUOTAS DO

Capital 10,000.00 Tipo de cuota

Plazo total 12 Cuota por período
Período de pago mensual Fecha de desembolso
Cuotas dobles
Día de pago en cada mes 11
constantes
TEA 30.00% TED
TEM

Fecha de Saldo
Período dias Amortización Intereses Cuota
pago Deudor

Totales

Por Buscar Objetivo

Fecha de Saldo
Período Amortización Intereses Cuota
pago Deudor
Totales
CUOTAS DOBLES

Constante
769.23
11/11/2015
3er mes
0.07%

Fecha de
No. Días FSA Período Amortización Intereses
pago
0 11/11/2011
1 12/11/2011 659.66 221.04
2 1/11/2012 667.28 213.42
3 2/11/2012 1,563.23 198.18
4 3/11/2012 728.84 151.86
5 4/11/2012 734.90 145.80
6 5/11/2012 755.90 124.80
7 6/11/2012 768.97 111.74
8 7/11/2012 789.61 91.10
9 8/11/2012 804.58 76.13
10 9/11/2012 822.96 57.74
11 10/11/2012 843.04 37.67
12 11/11/2012 861.03 19.67
Suma FSA Totales 10,000.00 1,449.16
 Saldo
Cuota No. Días FSA
Deudor
10,000.00
880.70 9,340.34 30 0.9784
880.70 8,673.06 31 0.9565
1,761.41 7,109.83 31 1.8703
880.70 6,380.99 29 0.9156
880.70 5,646.08 31 0.8951
880.70 4,890.18 30 0.8758
880.70 4,121.22 31 0.8562
880.70 3,331.61 30 0.8377
880.70 2,527.03 31 0.8190
880.70 1,704.07 31 0.8007
880.70 861.03 30 0.7834
880.70 0.00 31 0.7659
11,449.16 Suma FSA 11.3545
 CUOTAS
El 20 de diciembre del 2015 se otorga un préstamo por S/. 21,000 el cual se cancelará mediante 12 cuotas fija
a una TEA del 24%
Considerando como fecha de pago los días 20 de cada mes y cuotas dobles en julio y diciembre
Completa el cronograma de pagos respectivo

Péstamo
Cuotas
TEA TEM
C. Simple TED
C. Doble

Fecha de Saldo
Periodo Amortización Interés Cuota
Pago deudor

Totales

Por Buscar Objetivo

Fecha de Saldo
Periodo Amortización Interés Cuota
Pago deudor
Totales
 CUOTAS DOBLES
á mediante 12 cuotas fijas mensuales

y diciembre

Péstamo 21,000.00
Cuotas 12
TEA 24% TEM 1.81%
C. Simple 1,698.47 TED 0.06%
C. Doble 3,396.94

Fecha de
Nº Días FSA Periodo Amortización Interés
Pago
0 12/20/2011
1 1/20/2012 1,305.85 392.62
2 2/20/2012 1,330.27 368.20
3 3/20/2012 1,377.48 320.99
4 4/20/2012 1,380.89 317.58
5 5/20/2012 1,416.21 282.27
6 6/20/2012 1,433.19 265.28
7 7/20/2012 3,166.22 230.73
8 8/20/2012 1,519.18 179.29
9 9/20/2012 1,547.58 150.89
10 10/20/2012 1,580.48 117.99
11 11/20/2012 1,606.06 92.41
12 12/20/2012 3,336.59 60.35
Suma FSA Totales 21,000.00 2,778.60
 Saldo
Cuota Días FSA
deudor
21,000.00
1,698.47 19,694.15 31 0.982
1,698.47 18,363.88 31 0.964
1,698.47 16,986.40 29 0.947
1,698.47 15,605.51 31 0.930
1,698.47 14,189.30 30 0.913
1,698.47 12,756.11 31 0.896
3,396.94 9,589.90 30 1.761
1,698.47 8,070.72 31 0.864
1,698.47 6,523.14 31 0.848
1,698.47 4,942.66 30 0.833
1,698.47 3,336.59 31 0.818
3,396.94 0.00 30 1.607
23,778.60 Suma FSA 12.364
 CU

El 15 de febrero de 2016 se otorgó un préstamo por S/. 18,740.00 el cual se cancelará mediante 12 cuotas fija
mensuales a una TEA del 24%
Considerando como fecha de pago los dias 25 de cada mes y cuotas dobles en julio y diciembre
Completar el cronograma de pagos respectivo

Péstamo S/. 18,740.00

Cuotas 12
TEA 24% TEM 1.81%
C. Simple S/. 1,516.17 TED 0.06%
C. Doble

Fecha de
Periodo dias Amortización Interés Cuota
Pago
0 0 2/15/2012 S/. - S/. - S/. -
1 39 3/25/2012 S/. 1,074.33 S/. 441.84 S/. 1,516.17
2 31 4/25/2012 S/. 1,185.89 S/. 330.28 S/. 1,516.17
3 30 5/25/2012 S/. 1,218.09 S/. 298.08 S/. 1,516.17
4 31 6/25/2012 S/. 1,230.84 S/. 285.33 S/. 1,516.17
5 30 7/25/2012 S/. 2,778.56 S/. 253.78 S/. 3,032.34
6 31 8/25/2012 S/. 1,305.80 S/. 210.37 S/. 1,516.17
7 31 9/25/2012 S/. 1,330.21 S/. 185.96 S/. 1,516.17
8 30 10/25/2012 S/. 1,360.32 S/. 155.85 S/. 1,516.17
9 31 11/25/2012 S/. 1,380.51 S/. 135.66 S/. 1,516.17
10 30 12/25/2012 S/. 2,926.07 S/. 106.27 S/. 3,032.34
11 31 1/25/2013 S/. 1,461.03 S/. 55.14 S/. 1,516.17
12 31 2/25/2013 S/. 1,488.35 S/. 27.83 S/. 1,516.17
376 Totales S/. 18,740.00 S/. 2,486.40 S/. 21,226.40

Por Buscar Objetivo

Fecha de
Periodo dias Amortización Interés Cuota
Pago
0
1
2
3
4
5
6
7
8
9
10
11
12
Totales
 CUOTAS DOBLES

elará mediante 12 cuotas fijas

io y diciembre

Péstamo 18,740.00
Cuotas 12
TEA 24% TEM
C. Simple 1,516.17 TED
C. Doble 3,032.34

Fecha de
Saldo deudor Días FSA Periodo Amortización
Pago
S/. 18,740.00 0 0 0 2/15/2012
S/. 17,665.67 39 0.977 1 3/25/2012 1,074.33
S/. 16,479.78 70 0.959 2 4/25/2012 1,185.89
S/. 15,261.68 100 0.942 3 5/25/2012 1,218.09
S/. 14,030.85 131 0.925 4 6/25/2012 1,230.84
S/. 11,252.29 161 1.817 5 7/25/2012 2,778.56
S/. 9,946.49 192 0.892 6 8/25/2012 1,305.80
S/. 8,616.28 223 0.875 7 9/25/2012 1,330.21
S/. 7,255.96 253 0.860 8 10/25/2012 1,360.32
S/. 5,875.44 284 0.844 9 11/25/2012 1,380.51
S/. 2,949.37 314 1.658 10 12/25/2012 2,926.07
S/. 1,488.35 345 0.814 11 1/25/2013 1,461.03
S/. 0.00 376 0.799 12 2/25/2013 1,488.35
Suma FSA 12.360 Totales 18,740.00

Saldo deudor
nro dias fas
1.81%
0.06%

Saldo
Interés Cuota Días FSA
deudor
18,740.00
441.84 1,516.17 17,665.67 39 0.977
330.28 1,516.17 16,479.78 31 0.959
298.08 1,516.17 15,261.68 30 0.942
285.33 1,516.17 14,030.85 31 0.925
253.78 3,032.34 11,252.29 30 1.817
210.37 1,516.17 9,946.49 31 0.892
185.96 1,516.17 8,616.28 31 0.875
155.85 1,516.17 7,255.96 30 0.860
135.66 1,516.17 5,875.44 31 0.844
106.27 3,032.34 2,949.37 30 1.658
55.14 1,516.17 1,488.35 31 0.814
27.83 1,516.17 0.00 31 0.799
2,486.40 21,226.40 Suma FSA 12.360
 CUOTAS DOBLE
Se solicita un préstamo de US$ 18,500 a una entidad financiera, la cual cobra la tasa de interés del 17.50% a
mensuales iguales. La fecha de desembolso fue el día 18 de agosto y cada cuota se pagará el día 05 de cada
Completa el cronograma de pagos con cuotas dobles en julio y en diciembre.

Préstamo
Tiempo (años)
Tiempo (meses)
Tasa anual
Día desembolso
Día de pago:
Día de 1° pago:

TEM =
TED =
Por fórmula Por excel
Valor Cuota =

N° Cuota Vencimiento N° días Interés Amortización Cuota

Totales
OBLE
e interés del 17.50% anual, el cual se cancelará en 3 años y con cuotas
gará el día 05 de cada mes.

Saldo Deudor FSA N° Cuota Vencimiento N° días

0 8/18/2012
1 10/5/2012 48
2 11/5/2012 31
3 12/5/2012 30
4 1/5/2013 31
5 2/5/2013 31
6 3/5/2013 28
7 4/5/2013 31
8 5/5/2013 30
9 6/5/2013 31
10 7/5/2013 30
11 8/5/2013 31
12 9/5/2013 31
13 10/5/2013 30
14 11/5/2013 31
15 12/5/2013 30
16 1/5/2014 31
17 2/5/2014 31
18 3/5/2014 28
19 4/5/2014 31
20 5/5/2014 30
21 6/5/2014 31
22 7/5/2014 30
23 8/5/2014 31
24 9/5/2014 31
25 10/5/2014 30
26 11/5/2014 31
27 12/5/2014 30
28 1/5/2015 31
29 2/5/2015 31
30 3/5/2015 28
31 4/5/2015 31
32 5/5/2015 30
33 6/5/2015 31
34 7/5/2015 30
35 8/5/2015 31
36 9/5/2015 31
Totales
Interés Amortización Cuota Saldo Deudor
18500.00
402.10 163.44 565.54 18336.56
256.42 309.12 565.54 18027.44
243.91 887.17 1131.08 17140.27
239.69 325.85 565.54 16814.42
235.13 330.41 565.54 16484.02
208.06 357.48 565.54 16126.54
225.51 340.03 565.54 15786.51
213.59 351.95 565.54 15434.56
215.83 349.70 565.54 15084.86
204.09 926.98 1131.08 14157.88
197.98 367.56 565.54 13790.32
192.84 372.70 565.54 13417.63
181.54 384.00 565.54 13033.63
182.26 383.28 565.54 12650.35
171.16 959.92 1131.08 11690.43
163.48 402.06 565.54 11288.37
157.85 407.68 565.54 10880.69
137.34 428.20 565.54 10452.49
146.17 419.37 565.54 10033.11
135.75 429.79 565.54 9603.32
 134.29 431.25 565.54 9172.08
124.10 1006.98 1131.08 8165.10
114.18 451.36 565.54 7713.74
107.87 457.67 565.54 7256.07
98.17 467.37 565.54 6788.70
94.93 470.61 565.54 6318.10
85.48 1045.59 1131.08 5272.50
73.73 491.81 565.54 4780.70
66.85 498.69 565.54 4282.01
54.05 511.49 565.54 3770.52
52.73 512.81 565.54 3257.71
44.08 521.46 565.54 2736.25
38.26 527.27 565.54 2208.97
29.89 1101.19 1131.08 1107.78
15.49 550.05 565.54 557.74
7.80 557.74 565.54 0.00
5252.58 18500.00 23752.58
 CUOTAS BY PASS

Capital 10,000.00 Tipo de cuota

Plazo total 12 meses Cuota por período
Período de pago mensual Cuotas By pass
Día de pago en cada mes 1° Fecha de desembolso
TEA 30.00% TED

Fecha de
dias Período Amortización Intereses Cuota
pago
- 0 10/10/2015 S/. - S/. - S/. -
22 1 11/1/2015 S/. 883.98 S/. 161.63 S/. 1,045.61
30 2 12/1/2015 S/. 844.11 S/. 201.50 S/. 1,045.61
31 3 1/1/2016 S/. 856.60 S/. 189.01 S/. 1,045.61
31 4 2/1/2016 S/. -169.44 S/. 169.44 S/. -
29 5 3/1/2016 S/. 883.60 S/. 162.01 S/. 1,045.61
31 6 4/1/2016 S/. 892.49 S/. 153.12 S/. 1,045.61
30 7 5/1/2016 S/. 917.21 S/. 128.40 S/. 1,045.61
31 8 6/1/2016 S/. 933.84 S/. 111.77 S/. 1,045.61
30 9 7/1/2016 S/. 958.13 S/. 87.48 S/. 1,045.61
31 10 8/1/2016 S/. 977.07 S/. 68.54 S/. 1,045.61
31 11 9/1/2016 S/. 999.40 S/. 46.21 S/. 1,045.61
30 12 10/1/2016 S/. 1,023.00 S/. 22.61 S/. 1,045.61
357 Totales S/. 10,000.00 S/. 1,501.71 S/. 11,501.71

Fecha de
Período Amortización Intereses Cuota
pago
0 10/10/2011
1 11/1/2011 883.98 161.63 1,045.61
2 12/1/2011 844.11 201.50 1,045.61
3 1/1/2012 856.60 189.01 1,045.61
4 2/1/2012 0.00 0.00 0.00
5 3/1/2012 714.16 331.45 1,045.61
6 4/1/2012 892.49 153.12 1,045.61
7 5/1/2012 917.21 128.40 1,045.61
8 6/1/2012 933.84 111.77 1,045.61
9 7/1/2012 958.13 87.48 1,045.61
10 8/1/2012 977.07 68.54 1,045.61
11 9/1/2012 999.40 46.21 1,045.61
12 10/1/2012 1,023.00 22.61 1,045.61
Totales 10,000.00 1,501.71 11,501.71
 PASS

de cuota Constante
ta por período S/. 1,045.61 1,045.61 1,045.61
tas By pass 4
ha de desembolso 10/10/2015 4
0.0729% 0.07% 0.07%

Saldo de
No. Días FSA
capital
S/. 10,000.00 0 0.000000
S/. 9,116.02 22 0.984094
S/. 8,271.91 52 0.962812
S/. 7,415.31 83 0.941304
S/. 7,584.75 114 0.000000
S/. 6,701.15 143 0.901030
S/. 5,808.65 174 0.880902
S/. 4,891.44 204 0.861851
S/. 3,957.60 235 0.842598
S/. 2,999.47 265 0.824375
S/. 2,022.40 296 0.805960
S/. 1,023.00 327 0.787955
S/. - 357 0.770914
Suma FSA 9.563795

Saldo de
capital
10,000.00
9,116.02
8,271.91
7,415.31
7,415.31
6,701.15
5,808.65
4,891.44
3,957.60
2,999.47
2,022.40
1,023.00
0.00
 CUOTA BY PASS

El 28 de diciembre del 2015 se otorgó un crédito por S/. 18,350.00 a una TEA del 25.45% el cual se cancela
en 12 cuotas fijas mensuales las cuales se pagarán todos los días 20 de cada mes, considere que se pagará
por concepto de portes S/. 3.50 mensualmente.
Por cuestiones de temporada baja en su negocio, el prestatario no podrá hacer pago alguno en los meses
de febrero y agosto.

Elaborar el cronograma de pagos respectivo.

Préstamo S/. 18,350.00

TEA 25%
TED 0.06%
Nº Cuotas 12
Cuota S/. 2,075.95
Portes S/. 3.50
Total Cuota S/. 2,079.45

Fecha de
Período dias Amortización Interés Portes
Pago
0 0 12/28/2015 S/. - S/. -
1 23 1/20/2016 S/. 1,808.20 S/. 267.75 S/. 3.50
2 31 2/20/2016 S/. -326.15 S/. 326.15 S/. -
3 29 3/20/2016 S/. 1,765.03 S/. 310.92 S/. 3.50
4 31 4/20/2016 S/. 1,778.18 S/. 297.78 S/. 3.50
5 30 5/20/2016 S/. 1,821.79 S/. 254.16 S/. 3.50
6 31 6/20/2016 S/. 1,849.16 S/. 226.80 S/. 3.50
7 30 7/20/2016 S/. 1,891.81 S/. 184.14 S/. 3.50
8 31 8/20/2016 S/. -153.04 S/. 153.04 S/. -
9 31 9/20/2016 S/. 1,919.90 S/. 156.06 S/. 3.50
10 30 10/20/2016 S/. 1,961.60 S/. 114.35 S/. 3.50
11 31 11/20/2016 S/. 1,996.43 S/. 79.53 S/. 3.50
12 30 12/20/2016 S/. 2,037.10 S/. 38.86 S/. 3.50
358 Totales S/. 18,350.00 S/. 2,409.53 S/. 35.00

Período Fecha de Amortización Interés Portes

Pago
0 12/28/2011
1 1/20/2012 1,808.20 267.75 3.50
2 2/20/2012 - - -
3 3/20/2012 1,438.88 637.07 3.50
4 4/20/2012 1,778.18 297.78 3.50
 5 5/20/2012 1,821.79 254.16 3.50
6 6/20/2012 1,849.16 226.80 3.50
7 7/20/2012 1,891.81 184.14 3.50
8 8/20/2012 - - -
9 9/20/2012 1,766.86 309.09 3.50
10 10/20/2012 1,961.60 114.35 3.50
11 11/20/2012 1,996.43 79.53 3.50
12 12/20/2012 2,037.10 38.86 3.50
Totales 18,350.00 2,409.53 35.00
PASS

del 25.45% el cual se cancelará

es, considere que se pagará

pago alguno en los meses

Cuota Saldo Días FSA

S/. - S/. 18,350.00 0 0
S/. 2,079.45 S/. 16,541.80 23 0.986
S/. - S/. 16,867.95 54 0.000
S/. 2,079.45 S/. 15,102.92 83 0.949
S/. 2,079.45 S/. 13,324.74 114 0.931
S/. 2,079.45 S/. 11,502.95 144 0.913
S/. 2,079.45 S/. 9,653.79 175 0.896
S/. 2,079.45 S/. 7,761.98 205 0.879
S/. - S/. 7,915.02 236 0.000
S/. 2,079.45 S/. 5,995.12 267 0.845
S/. 2,079.45 S/. 4,033.52 297 0.829
S/. 2,079.45 S/. 2,037.10 328 0.813
S/. 2,079.45 S/. 0.00 358 0.798
S/. 20,794.53 Suma FSA 8.839

Cuota Saldo Días FSA

18,350.00
2,079.45 16,541.80 23 0.986
- 16,541.80 31
2,079.45 15,102.92 29 0.949
2,079.45 13,324.74 31 0.931
 2,079.45 11,502.95 30 0.913
2,079.45 9,653.79 31 0.896
2,079.45 7,761.98 30 0.879
- 7,761.98 31
2,079.45 5,995.12 31 0.845
2,079.45 4,033.52 30 0.829
2,079.45 2,037.10 31 0.813
2,079.45 0.00 30 0.798
20,794.53 Suma FSA 8.839
 CUOTA BY PASS

El 20 de agosto de 2012 se otorgó un crédito por S/. 12,800.00 a una TEA del 19% el cual se cancelará
en 12 cuotas fijas mensuales las cuales se pagarán todos los días 25 de cada mes, considere que se pagará
por concepto de portes S/. 2.80 mensualmente.
Por cuestiones de temporada baja en su negocio, el prestatario no podrá hacer pago alguno en los meses
de octubre y abril.
Elaborar el cronograma de pagos respectivo.

Préstamo S/. 12,800.00

TEA 19% TED = 0.05%
Cuotas 12
Renta
Portes S/. 2.80
Cuota S/. 1,416.26

Período dias Fecha de Amortización Interés Portes

Pago
0 0 8/20/2012 S/. - S/. - S/. -
1 36 9/25/2012 S/. 1,191.65 S/. 224.61 S/. 2.80
2 30 10/25/2012 S/. -169.50 S/. 169.50 S/. -
3 31 11/25/2012 S/. 1,238.50 S/. 177.75 S/. 2.80
4 30 12/25/2012 S/. 1,262.36 S/. 153.89 S/. 2.80
5 31 1/25/2013 S/. 1,276.25 S/. 140.01 S/. 2.80
6 31 2/25/2013 S/. 1,295.51 S/. 120.75 S/. 2.80
7 28 3/25/2013 S/. 1,324.92 S/. 91.34 S/. 2.80
8 31 4/25/2013 S/. -81.20 S/. 81.20 S/. -
9 30 5/25/2013 S/. 1,336.51 S/. 79.75 S/. 2.80
10 31 6/25/2013 S/. 1,354.00 S/. 62.25 S/. 2.80
11 30 7/25/2013 S/. 1,375.80 S/. 40.46 S/. 2.80
12 31 8/25/2013 S/. 1,395.20 S/. 21.06 S/. 2.80
370 Totales S/. 12,800.00 S/. 1,362.57 S/. 28.00

Solución

Préstamo 12,800.00
TEA 19% TED = 0.05%
Cuotas 12
Renta 1,416.26
Portes 2.80
Cuota 1,419.06

Fecha de
Período Amortización Interés Portes
Pago
0 8/20/2012
 1 9/25/2012 1,191.65 224.61 2.80
2 10/25/2012 - - -
3 11/25/2012 1,069.00 347.25 2.80
4 12/25/2012 1,262.36 153.89 2.80
5 1/25/2013 1,276.25 140.01 2.80
6 2/25/2013 1,295.51 120.75 2.80
7 3/25/2013 1,324.92 91.34 2.80
8 4/25/2013 - - -
9 5/25/2013 1,255.31 160.95 2.80
10 6/25/2013 1,354.00 62.25 2.80
11 7/25/2013 1,375.80 40.46 2.80
12 8/25/2013 1,395.20 21.06 2.80
Totales 12,800.00 1,362.57 28.00
PASS

del 19% el cual se cancelará

a mes, considere que se pagará

er pago alguno en los meses

Cuota Saldo Dias FSA

S/. - S/. 12,800.00 0 0
S/. 1,419.06 S/. 11,608.35 36 0.983
S/. - S/. 11,777.85 66 0.000
S/. 1,419.06 S/. 10,539.35 97 0.954
S/. 1,419.06 S/. 9,276.98 127 0.940
S/. 1,419.06 S/. 8,000.74 158 0.926
S/. 1,419.06 S/. 6,705.23 189 0.913
S/. 1,419.06 S/. 5,380.31 217 0.900
S/. - S/. 5,461.51 248 0.000
S/. 1,419.06 S/. 4,125.00 278 0.874
S/. 1,419.06 S/. 2,771.00 309 0.861
S/. 1,419.06 S/. 1,395.20 339 0.849
S/. 1,419.06 S/. - 370 0.836
S/. 14,190.57 Suma FSA 9.038

Cuota Saldo Dias FSA

12,800.00 0 0
 1,419.06 11,608.35 36 0.983
- 11,608.35 30 0.000
1,419.06 10,539.35 31 0.954
1,419.06 9,276.98 30 0.940
1,419.06 8,000.74 31 0.926
1,419.06 6,705.23 31 0.913
1,419.06 5,380.31 28 0.900
- 5,380.31 31 0.000
1,419.06 4,125.00 30 0.874
1,419.06 2,771.00 31 0.861
1,419.06 1,395.20 30 0.849
1,419.06 0.00 31 0.836
14,190.57 Suma FSA 9.038
 CUOTA COMODIN

Un crédito por S/. 15,000 fue otorgado el 11 de noviembre del 2014, para ser cancelado a través de 12 cuota
temporada baja en su negocio el prestatario sólo podrá cancelar S/. 500 en los meses de abril y mayo. L
completar el cuadro de servicio de la deuda. Además se deberá cancelar S/. 5 mensuales por concepto de por

Plazo (meses)
Préstamo S/. 15,000.00 Portes
TEA 20% Mes comodín
TED 0.05% Mes comodín

Fecha de nuero de
Período Dias FSA FSA Comodín
pago dias
0 11/11/2014 0.00 0.00 0.00
1 12/30/2014 49 0.97549 49.00
2 1/30/2015 31 0.96029 80.00
3 2/28/2015 29 0.94629 109.00
4 3/30/2015 30 0.93202 139.00
5 4/30/2015 31 0 170.00 S/. 0.92
6 5/30/2015 30 0 200.00 S/. 0.90
7 6/30/2015 31 0.88959 231.00
8 7/30/2015 30 0.87618 261.00
9 8/30/2015 31 0.86253 292.00
10 9/30/2015 31 0.84910 323.00
11 10/30/2015 30 0.83629 353.00
12 11/30/2015 31 0.82327 384.00
Totales 384.00 8.95106 S/. 1.82

Fecha de
Período Dias FSA FSA Comodín
pago
0 11/11/2011
1 12/30/2011 49 0.98
2 1/30/2012 31 0.96
3 2/29/2012 30 0.95
4 3/30/2012 30 0.93
5 4/30/2012 31 0.92
6 5/30/2012 30 0.90
7 6/30/2012 31 0.89
8 7/30/2012 30 0.88
9 8/30/2012 31 0.86
10 9/30/2012 31 0.85
11 10/30/2012 30 0.84
12 11/30/2012 31 0.82
Totales 8.94751 1.82025
TA COMODIN

ancelado a través de 12 cuotas mensuales los dias 30 de cada mes. Por cuestiones de
los meses de abril y mayo. La tasa de interés cobrada será de 20% anual. Se pide
mensuales por concepto de portes.

Cuota simple ( P ) S/. 1,675.78

S/. 5.00 Cuota de abril y mayo 500 500
Cuota simple + portes 1,680.78
Cuota comodín + portes 505.00

Saldo de
Amortización Interés Portes Cuota
Capital
S/. - S/. - S/. - S/. - S/. 15,000.00
S/. 1,298.88 S/. 376.90 S/. 5.00 S/. 1,675.78

Saldo de
Amortización Interés Portes Cuota
Capital
15,000.00
1,197.83 376.90 5.00 1,579.73 13,802.17
1,356.32 218.40 5.00 1,579.73 12,445.85
1,384.19 190.54 5.00 1,579.73 11,061.66
1,405.38 169.35 5.00 1,579.73 9,656.29
347.20 152.80 5.00 505.00 9,309.08
357.48 142.52 5.00 505.00 8,951.60
1,433.08 141.65 5.00 1,579.73 7,518.52
1,459.62 115.10 5.00 1,579.73 6,058.90
1,478.85 95.87 5.00 1,579.73 4,580.05
1,502.25 72.47 5.00 1,579.73 3,077.80
1,527.61 47.12 5.00 1,579.73 1,550.20
 1,550.20 24.53 5.00 1,579.73 0.00
15,000.00 1,747.26 60.00 16,807.26
 CUOTA COMODIN

Se otorga un crédito por S/. 18,000.00 el 15 de diciembre del 2014 para ser cancelado en 12 cuotas fijas mens
a una TEA del 21% considerando que todos los meses se pagará por concepto de portes la cantidad de S/.
Por cuestiones de temporada baja en su negocio, el prestatario solo podrá cancelar S/. 400 en los meses de f
Completa el cronograma de pagos respectivo.

Préstamo 18,000.00 Cuota Feb. y Ago.

TEA 21% Cuota simple
TEM 1.60% Portes
TED 0.05% Cuota + portes
N° Cuotas 12 Comodin + portes

Fecha de
Período dias Amortización Interés
Pago

0 12/15/2014 0 S/. - S/. -

1 1/15/2015 31 S/. 1,624.67 S/. 297.90
2 2/15/2015 31 S/. 128.99 S/. 271.01
3 3/15/2015 28 S/. 1,679.90 S/. 242.66
4 4/15/2015 31 S/. 1,681.49 S/. 241.07
5 5/15/2015 30 S/. 1,716.25 S/. 206.31
6 6/15/2015 31 S/. 1,737.72 S/. 184.84
7 7/15/2015 30 S/. 1,771.56 S/. 151.01
8 8/15/2015 31 S/. 273.24 S/. 126.76
9 9/15/2015 31 S/. 1,800.32 S/. 122.24
10 10/15/2015 30 S/. 1,833.13 S/. 89.44
11 11/15/2015 31 S/. 1,860.46 S/. 62.11
12 12/15/2015 30 S/. 1,892.27 S/. 30.30
Totales 365 S/. 18,000.00 S/. 2,025.66

Fecha de
Período Amortización Interés
Pago

0 12/15/2011
1 1/15/2012 1,625.59 297.90
2 2/15/2012 129.00 271.00
3 3/15/2012 1,672.11 251.38
4 4/15/2012 1,682.31 241.19
5 5/15/2012 1,717.08 206.41
6 6/15/2012 1,738.57 184.93
7 7/15/2012 1,772.42 151.08
8 8/15/2012 273.18 126.82
9 9/15/2012 1,801.19 122.30
10 10/15/2012 1,834.01 89.48
11 11/15/2012 1,861.36 62.14
12 12/15/2012 1,893.18 30.31
Totales 18,000.00 2,034.94
 CUOTA COMODIN

ancelado en 12 cuotas fijas mensuales los días 15 de cada mes

epto de portes la cantidad de S/. 6
ncelar S/. 400 en los meses de febrero y agosto

400.00
S/. 1,922.57
6.00
1,928.57
406.00

FSA
Portes Cuota Saldo Días FSA
Comodin

S/. - S/. - S/. 18,000.00 0 0

S/. 1,922.57 S/. 16,375.33 31 0.984
S/. 400.00 S/. 16,246.35 62 0.968
S/. 1,922.57 S/. 14,566.44 90 0.953
S/. 1,922.57 S/. 12,884.95 121 0.938
S/. 1,922.57 S/. 11,168.70 151 0.923
S/. 1,922.57 S/. 9,430.97 182 0.908
S/. 1,922.57 S/. 7,659.41 212 0.894
S/. 400.00 S/. 7,386.18 243 0.879
S/. 1,922.57 S/. 5,585.85 274 0.865
S/. 1,922.57 S/. 3,752.73 304 0.851
S/. 1,922.57 S/. 1,892.27 335 0.837
S/. 1,922.57 S/. - 365 0.824
S/. - S/. 20,025.66 Suma FSA 8.978 1.847

FSA
Portes Cuota Saldo Días FSA
Comodin

18,000.00
6.00 1,929.49 16,374.41 31 0.984
6.00 406.00 16,245.40 31 0.968
6.00 1,929.49 14,573.29 29 0.953
6.00 1,929.49 12,890.99 31 0.937
6.00 1,929.49 11,173.90 30 0.923
6.00 1,929.49 9,435.33 31 0.908
6.00 1,929.49 7,662.92 30 0.893
6.00 406.00 7,389.74 31 0.879
6.00 1,929.49 5,588.55 31 0.864
 6.00 1,929.49 3,754.54 30 0.851
6.00 1,929.49 1,893.18 31 0.837
6.00 1,929.49 0.00 30 0.824
72.00 20,106.94 Suma FSA 8.974 1.847
 CUOTA COMODIN

Se otorga un crédito por S/. 25,000 el 01 de febrero de 2016 para ser cancelado en 12 cuotas fijas mensuales
todos los dias 02 de cada mes a una TEA del 18% considerando que todos los meses se pagará por concep
portes la cantidad de S/. 5.00
El cliente ha solicitado pagar los meses de abril y diciembre sólo S/. 600 por bajas ventas en estos meses.
Elaborar el cronograma de pagos respectivo.

Préstamo Cuota
TEA Portes
TED Cuota Total Simple
Nº Cuotas Cuota Comodin
Cuota Abr. y Dic.

Período Fecha de Amortización Interés Portes

Pago

Totales

Solución

Préstamo 25,000.00
TEA 18%
TED 0.05%
Nº Cuotas 12
Cuota Abr. y Dic. 600.00
Cuota 2,617.21
Portes 5.00
Cuota Total Simple 2,622.21
Cuota Comodin 605.00

Período Fecha de Amortización Interés Portes

Pago
 0 2/1/2011
1 3/2/2011 2,281.65 335.56 5.00
2 4/2/2011 273.89 326.11 5.00
3 5/2/2011 2,305.49 311.72 5.00
4 6/2/2011 2,328.12 289.09 5.00
5 7/2/2011 2,369.85 247.36 5.00
6 8/2/2011 2,395.56 221.65 5.00
7 9/2/2011 2,429.95 187.26 5.00
8 10/2/2011 2,469.78 147.43 5.00
9 11/2/2011 2,500.28 116.93 5.00
10 12/2/2011 521.59 78.41 5.00
11 1/2/2012 2,543.66 73.55 5.00
12 2/2/2012 2,580.17 37.04 5.00
Totales 25,000.00 2,372.12 60.00
OMODIN

o en 12 cuotas fijas mensuales

os meses se pagará por concepto de

ajas ventas en estos meses.

Cuota Saldo Días FSA FSA

Comodin

Suma FSA

Cuota Saldo Días FSA FSA

Comodin
 25,000.00
2,622.21 22,718.35 29 0.98676
605.00 22,444.46 60 0.973
2,622.21 20,138.97 90 0.95947
2,622.21 17,810.85 121 0.94589
2,622.21 15,441.00 151 0.93293
2,622.21 13,045.44 182 0.91973
2,622.21 10,615.49 213 0.90671
2,622.21 8,145.71 243 0.89429
2,622.21 5,645.43 274 0.88164
605.00 5,123.83 304 0.870
2,622.21 2,580.17 335 0.85725
2,622.21 - 0.00 366 0.84512
27,432.12 Suma FSA 9.12979 1.842
 CUOTA COMODIN

Se otorga un crédito por S/. 30.000,00 el 10 de marzo de 2016 para ser cancelado en 12 cuotas fijas mensua
todos los dias 10 de cada mes a una TEA del 25% considerando que todos los meses se pagará por concep
portes la cantidad de S/. 5.00
El cliente ha solicitado pagar los meses de mayo y enero sólo S/. 1.000,00 por bajas ventas en estos meses.
Elaborar el cronograma de pagos respectivo.

Préstamo Cuota
TEA Portes
TED Cuota Total Simple
Nº Cuotas Cuota Comodin
Cuota Mayo y Enero

Período Fecha de Amortización Interés Portes

Pago

Totales

Solución

Préstamo 30,000.00 Cuota 3,190.58

TEA 25% Portes 5.00
TED 0.06% Cuota Total Simple 3,195.58
Nº Cuotas 12 Cuota Comodin 1,005.00
Cuota Mayo y Enero 1,000.00

Fecha de
Período Amortización Interés Portes
Pago
0 3/10/2010
 1 4/10/2010 2,608.55 582.03 5.00
2 5/10/2010 485.88 514.12 5.00
3 6/10/2010 2,668.59 521.99 5.00
4 7/10/2010 2,735.67 454.91 5.00
5 8/10/2010 2,773.43 417.15 5.00
6 9/10/2010 2,827.24 363.34 5.00
7 10/10/2010 2,892.14 298.44 5.00
8 11/10/2010 2,938.20 252.38 5.00
9 12/10/2010 3,001.57 189.01 5.00
10 1/10/2011 862.86 137.14 5.00
11 2/10/2011 3,070.18 120.40 5.00
12 3/10/2011 3,135.68 54.90 5.00
Totales 30,000.00 3,905.80 60.00
ODIN

do en 12 cuotas fijas mensuales

s meses se pagará por concepto de

bajas ventas en estos meses.

Cuota Saldo FSA FSA

Comodin

FSA
Cuota Saldo FSA
Comodin
30,000.00
 3,195.58 27,391.45 0.981
1,005.00 26,905.57 0.963
3,195.58 24,236.98 0.945
3,195.58 21,501.31 0.927
3,195.58 18,727.87 0.910
3,195.58 15,900.63 0.892
3,195.58 13,008.50 0.876
3,195.58 10,070.29 0.859
3,195.58 7,068.72 0.843
1,005.00 6,205.86 0.827
3,195.58 3,135.68 0.811
3,195.58 0.00 0.798
33,965.80 8.842 1.790
 CRONOGRAMA DE PAGOS - PRÉSTAMO HIPOTECARIO

Nombre cliente TEA

Valor del inmueble 100,000.00 TEM
% de financiamiento 85.00% Seguro desgravamen
Importe del préstamo Seguro inmueble
Fecha del préstamo 03/01/2015 Portes
Plazo de la operación 10 años Cuota simple
Número de cuotas 120 meses Tasa de Costo Efectiva mensual
Periodo de pago cada 30 días T.C.E.A.

Fecha de Seguro Seguro

Período Amortización Interés
pago desgravamen inmobiliario
Totales
TAMO HIPOTECARIO

9.50%
$100,000.00
ro desgravamen 0.0150% 85.00%
ro inmueble 0.0920% $92.0000 $85,000.00
es 5.00 9.50%
a simple 0.76%
de Costo Efectiva mensual $1,090.12 $1,187.12
.A.

Saldo Fecha de
Portes Cuota total Flujos Período Amortización
deudor pago
0 1/3/2015
1 2/2/2015 1,077.37
2 3/4/2015 1,077.53
3 4/3/2015 1,077.70
4 5/3/2015 1,077.86
5 6/2/2015 1,078.02
6 7/2/2015 1,078.18
7 8/1/2015 1,078.34
8 8/31/2015 1,078.50
9 9/30/2015 1,078.67
10 10/30/2015 1,078.83
11 11/29/2015 1,078.99
12 12/29/2015 1,079.15
13 1/28/2016 1,079.31
14 2/27/2016 1,079.48
15 3/28/2016 1,079.64
16 4/27/2016 1,079.80
17 5/27/2016 1,079.96
18 6/26/2016 1,080.12
19 7/26/2016 1,080.29
20 8/25/2016 1,080.45
21 9/24/2016 1,080.61
22 10/24/2016 1,080.77
23 11/23/2016 1,080.93
24 12/23/2016 1,081.10
25 1/22/2017 1,081.26
26 2/21/2017 1,081.42
27 3/23/2017 1,081.58
28 4/22/2017 1,081.74
29 5/22/2017 1,081.91
30 6/21/2017 1,082.07
31 7/21/2017 1,082.23
32 8/20/2017 1,082.39
33 9/19/2017 1,082.56
34 10/19/2017 1,082.72
35 11/18/2017 1,082.88
36 12/18/2017 1,083.04
37 1/17/2018 1,083.21
38 2/16/2018 1,083.37
39 3/18/2018 1,083.53
40 4/17/2018 1,083.69
41 5/17/2018 1,083.86
42 6/16/2018 1,084.02
43 7/16/2018 1,084.18
44 8/15/2018 1,084.34
45 9/14/2018 1,084.51
46 10/14/2018 1,084.67
47 11/13/2018 1,084.83
48 12/13/2018 1,084.99
49 1/12/2019 1,085.16
50 2/11/2019 1,085.32
51 3/13/2019 1,085.48
52 4/12/2019 1,085.65
53 5/12/2019 1,085.81
54 6/11/2019 1,085.97
55 7/11/2019 1,086.13
56 8/10/2019 1,086.30
57 9/9/2019 1,086.46
58 10/9/2019 1,086.62
59 11/8/2019 1,086.79
60 12/8/2019 1,086.95
61 1/7/2020 1,087.11
62 2/6/2020 1,087.27
63 3/7/2020 1,087.44
64 4/6/2020 1,087.60
65 5/6/2020 1,087.76
66 6/5/2020 1,087.93
67 7/5/2020 1,088.09
68 8/4/2020 1,088.25
69 9/3/2020 1,088.42
70 10/3/2020 1,088.58
71 11/2/2020 1,088.74
72 12/2/2020 1,088.91
73 1/1/2021 1,089.07
74 1/31/2021 1,089.23
75 3/2/2021 1,089.40
76 4/1/2021 1,089.56
77 5/1/2021 1,089.72
78 5/31/2021 1,089.89
79 6/30/2021 1,090.05
80 7/30/2021 1,090.21
81 8/29/2021 1,090.38
82 9/28/2021 1,090.54
83 10/28/2021 1,090.70
84 11/27/2021 1,090.87
85 12/27/2021 1,091.03
86 1/26/2022 1,091.20
87 2/25/2022 1,091.36
88 3/27/2022 1,091.52
89 4/26/2022 1,091.69
90 5/26/2022 1,091.85
91 6/25/2022 1,092.01
92 7/25/2022 1,092.18
93 8/24/2022 1,092.34
94 9/23/2022 1,092.51
95 10/23/2022 1,092.67
96 11/22/2022 1,092.83
97 12/22/2022 1,093.00
98 1/21/2023 1,093.16
99 2/20/2023 1,093.33
100 3/22/2023 1,093.49
101 4/21/2023 1,093.65
102 5/21/2023 1,093.82
103 6/20/2023 1,093.98
104 7/20/2023 1,094.15
105 8/19/2023 1,094.31
106 9/18/2023 1,094.47
107 10/18/2023 1,094.64
108 11/17/2023 1,094.80
109 12/17/2023 1,094.97
110 1/16/2024 1,095.13
111 2/15/2024 1,095.30
112 3/16/2024 1,095.46
113 4/15/2024 1,095.62
114 5/15/2024 1,095.79
115 6/14/2024 1,095.95
116 7/14/2024 1,096.12
117 8/13/2024 1,096.28
118 9/12/2024 1,096.45
119 10/12/2024 1,096.61
120 11/11/2024 1,096.77
Totales 85,000.00
 Costo real mensual 0.94%
Costo real anual 11.92%

Seguro Seguro Saldo

Interés Portes Cuota total Flujos
desgravamen inmobiliario deudor
85,000.00 -85,000.00
0.00 12.75 92.00 5.00 1,187.12 83,922.63 1,187.12
0.00 12.59 92.00 5.00 1,187.12 82,845.09 1,187.12
0.00 12.43 92.00 5.00 1,187.12 81,767.40 1,187.12
0.00 12.27 92.00 5.00 1,187.12 80,689.54 1,187.12
0.00 12.10 92.00 5.00 1,187.12 79,611.52 1,187.12
0.00 11.94 92.00 5.00 1,187.12 78,533.34 1,187.12
0.00 11.78 92.00 5.00 1,187.12 77,455.00 1,187.12
0.00 11.62 92.00 5.00 1,187.12 76,376.49 1,187.12
0.00 11.46 92.00 5.00 1,187.12 75,297.83 1,187.12
0.00 11.29 92.00 5.00 1,187.12 74,219.00 1,187.12
0.00 11.13 92.00 5.00 1,187.12 73,140.01 1,187.12
0.00 10.97 92.00 5.00 1,187.12 72,060.86 1,187.12
0.00 10.81 92.00 5.00 1,187.12 70,981.55 1,187.12
0.00 10.65 92.00 5.00 1,187.12 69,902.07 1,187.12
0.00 10.49 92.00 5.00 1,187.12 68,822.43 1,187.12
0.00 10.32 92.00 5.00 1,187.12 67,742.63 1,187.12
0.00 10.16 92.00 5.00 1,187.12 66,662.67 1,187.12
0.00 10.00 92.00 5.00 1,187.12 65,582.55 1,187.12
0.00 9.84 92.00 5.00 1,187.12 64,502.27 1,187.12
0.00 9.68 92.00 5.00 1,187.12 63,421.82 1,187.12
0.00 9.51 92.00 5.00 1,187.12 62,341.21 1,187.12
0.00 9.35 92.00 5.00 1,187.12 61,260.44 1,187.12
0.00 9.19 92.00 5.00 1,187.12 60,179.50 1,187.12
0.00 9.03 92.00 5.00 1,187.12 59,098.41 1,187.12
0.00 8.86 92.00 5.00 1,187.12 58,017.15 1,187.12
0.00 8.70 92.00 5.00 1,187.12 56,935.73 1,187.12
0.00 8.54 92.00 5.00 1,187.12 55,854.15 1,187.12
0.00 8.38 92.00 5.00 1,187.12 54,772.40 1,187.12
0.00 8.22 92.00 5.00 1,187.12 53,690.50 1,187.12
0.00 8.05 92.00 5.00 1,187.12 52,608.43 1,187.12
0.00 7.89 92.00 5.00 1,187.12 51,526.20 1,187.12
0.00 7.73 92.00 5.00 1,187.12 50,443.80 1,187.12
0.00 7.57 92.00 5.00 1,187.12 49,361.25 1,187.12
0.00 7.40 92.00 5.00 1,187.12 48,278.53 1,187.12
0.00 7.24 92.00 5.00 1,187.12 47,195.65 1,187.12
0.00 7.08 92.00 5.00 1,187.12 46,112.61 1,187.12
0.00 6.92 92.00 5.00 1,187.12 45,029.40 1,187.12
0.00 6.75 92.00 5.00 1,187.12 43,946.03 1,187.12
0.00 6.59 92.00 5.00 1,187.12 42,862.50 1,187.12
0.00 6.43 92.00 5.00 1,187.12 41,778.81 1,187.12
0.00 6.27 92.00 5.00 1,187.12 40,694.95 1,187.12
0.00 6.10 92.00 5.00 1,187.12 39,610.94 1,187.12
0.00 5.94 92.00 5.00 1,187.12 38,526.75 1,187.12
0.00 5.78 92.00 5.00 1,187.12 37,442.41 1,187.12
0.00 5.62 92.00 5.00 1,187.12 36,357.90 1,187.12
0.00 5.45 92.00 5.00 1,187.12 35,273.24 1,187.12
0.00 5.29 92.00 5.00 1,187.12 34,188.40 1,187.12
0.00 5.13 92.00 5.00 1,187.12 33,103.41 1,187.12
0.00 4.97 92.00 5.00 1,187.12 32,018.25 1,187.12
0.00 4.80 92.00 5.00 1,187.12 30,932.93 1,187.12
0.00 4.64 92.00 5.00 1,187.12 29,847.45 1,187.12
0.00 4.48 92.00 5.00 1,187.12 28,761.81 1,187.12
0.00 4.31 92.00 5.00 1,187.12 27,676.00 1,187.12
0.00 4.15 92.00 5.00 1,187.12 26,590.03 1,187.12
0.00 3.99 92.00 5.00 1,187.12 25,503.89 1,187.12
0.00 3.83 92.00 5.00 1,187.12 24,417.60 1,187.12
0.00 3.66 92.00 5.00 1,187.12 23,331.14 1,187.12
0.00 3.50 92.00 5.00 1,187.12 22,244.51 1,187.12
0.00 3.34 92.00 5.00 1,187.12 21,157.73 1,187.12
0.00 3.17 92.00 5.00 1,187.12 20,070.78 1,187.12
0.00 3.01 92.00 5.00 1,187.12 18,983.67 1,187.12
0.00 2.85 92.00 5.00 1,187.12 17,896.39 1,187.12
0.00 2.68 92.00 5.00 1,187.12 16,808.95 1,187.12
0.00 2.52 92.00 5.00 1,187.12 15,721.35 1,187.12
0.00 2.36 92.00 5.00 1,187.12 14,633.59 1,187.12
0.00 2.20 92.00 5.00 1,187.12 13,545.66 1,187.12
0.00 2.03 92.00 5.00 1,187.12 12,457.57 1,187.12
0.00 1.87 92.00 5.00 1,187.12 11,369.32 1,187.12
0.00 1.71 92.00 5.00 1,187.12 10,280.90 1,187.12
0.00 1.54 92.00 5.00 1,187.12 9,192.32 1,187.12
0.00 1.38 92.00 5.00 1,187.12 8,103.58 1,187.12
0.00 1.22 92.00 5.00 1,187.12 7,014.67 1,187.12
0.00 1.05 92.00 5.00 1,187.12 5,925.60 1,187.12
0.00 0.89 92.00 5.00 1,187.12 4,836.36 1,187.12
0.00 0.73 92.00 5.00 1,187.12 3,746.97 1,187.12
0.00 0.56 92.00 5.00 1,187.12 2,657.41 1,187.12
0.00 0.40 92.00 5.00 1,187.12 1,567.68 1,187.12
0.00 0.24 92.00 5.00 1,187.12 477.80 1,187.12
0.00 0.07 92.00 5.00 1,187.12 -612.25 1,187.12
0.00 -0.09 92.00 5.00 1,187.12 -1,702.47 1,187.12
0.00 -0.26 92.00 5.00 1,187.12 -2,792.85 1,187.12
 0.00 -0.42 92.00 5.00 1,187.12 -3,883.39 1,187.12
0.00 -0.58 92.00 5.00 1,187.12 -4,974.09 1,187.12
0.00 -0.75 92.00 5.00 1,187.12 -6,064.96 1,187.12
0.00 -0.91 92.00 5.00 1,187.12 -7,155.99 1,187.12
0.00 -1.07 92.00 5.00 1,187.12 -8,247.19 1,187.12
0.00 -1.24 92.00 5.00 1,187.12 -9,338.55 1,187.12
0.00 -1.40 92.00 5.00 1,187.12 -10,430.07 1,187.12
0.00 -1.56 92.00 5.00 1,187.12 -11,521.76 1,187.12
0.00 -1.73 92.00 5.00 1,187.12 -12,613.61 1,187.12
0.00 -1.89 92.00 5.00 1,187.12 -13,705.62 1,187.12
0.00 -2.06 92.00 5.00 1,187.12 -14,797.80 1,187.12
0.00 -2.22 92.00 5.00 1,187.12 -15,890.14 1,187.12
0.00 -2.38 92.00 5.00 1,187.12 -16,982.65 1,187.12
0.00 -2.55 92.00 5.00 1,187.12 -18,075.32 1,187.12
0.00 -2.71 92.00 5.00 1,187.12 -19,168.15 1,187.12
0.00 -2.88 92.00 5.00 1,187.12 -20,261.15 1,187.12
0.00 -3.04 92.00 5.00 1,187.12 -21,354.31 1,187.12
0.00 -3.20 92.00 5.00 1,187.12 -22,447.64 1,187.12
0.00 -3.37 92.00 5.00 1,187.12 -23,541.13 1,187.12
0.00 -3.53 92.00 5.00 1,187.12 -24,634.78 1,187.12
0.00 -3.70 92.00 5.00 1,187.12 -25,728.60 1,187.12
0.00 -3.86 92.00 5.00 1,187.12 -26,822.58 1,187.12
0.00 -4.02 92.00 5.00 1,187.12 -27,916.73 1,187.12
0.00 -4.19 92.00 5.00 1,187.12 -29,011.04 1,187.12
0.00 -4.35 92.00 5.00 1,187.12 -30,105.51 1,187.12
0.00 -4.52 92.00 5.00 1,187.12 -31,200.15 1,187.12
0.00 -4.68 92.00 5.00 1,187.12 -32,294.95 1,187.12
0.00 -4.84 92.00 5.00 1,187.12 -33,389.92 1,187.12
0.00 -5.01 92.00 5.00 1,187.12 -34,485.05 1,187.12
0.00 -5.17 92.00 5.00 1,187.12 -35,580.35 1,187.12
0.00 -5.34 92.00 5.00 1,187.12 -36,675.81 1,187.12
0.00 -5.50 92.00 5.00 1,187.12 -37,771.43 1,187.12
0.00 -5.67 92.00 5.00 1,187.12 -38,867.22 1,187.12
0.00 -5.83 92.00 5.00 1,187.12 -39,963.17 1,187.12
0.00 -5.99 92.00 5.00 1,187.12 -41,059.29 1,187.12
0.00 -6.16 92.00 5.00 1,187.12 -42,155.57 1,187.12
0.00 -6.32 92.00 5.00 1,187.12 -43,252.01 1,187.12
0.00 -6.49 92.00 5.00 1,187.12 -44,348.62 1,187.12
0.00 -6.65 92.00 5.00 1,187.12 -45,445.40 1,187.12
44,816.41 885.52 11,040.00 600.00 142,341.94
 CRONOGRAMA DE PAGOS - PRÉSTAMO VEHICULAR

Nombre del cliente TEA

Valor del vehiculo 16,000.00 TEM
% de financiamiento 80% Seguro desgravamen
Importe del préstamo Seguro vehicular
Fecha del préstamo 17/06/2015 Portes
Plazo de la operación 5 años Cuota simple
Número de cuotas 60 meses
Costo Efectivo Mensual T.C.E.A.

Fecha de Seguro Seguro

Período Amortización Interés Portes
pago desgravamen vehicular
Totales
ICULAR

14.00% JUAN GARCIA FLORES TEA

$16,000.00 TEM
avamen 0.015% 80% Seguro desgravamen
ular 0.10% $12,800.00 Seguro Vehicular
3.50 17/06/2010 Portes
5 años
60 meses Cuota simple

Cuota Fecha de
Saldo Flujos Período Amortización Interés
total pago
0 6/17/2015
1 7/17/2015 151.12 140.53
2 8/17/2015 152.80 138.87
3 9/17/2015 154.50 137.19
4 10/17/2015 156.22 135.50
5 11/17/2015 157.96 133.78
6 12/17/2015 159.72 132.05
7 1/17/2016 161.49 130.29
8 2/17/2016 163.29 128.52
9 3/17/2016 165.11 126.73
10 4/17/2016 166.95 124.92
11 5/17/2016 168.80 123.08
12 6/17/2016 170.68 121.23
13 7/17/2016 172.58 119.35
14 8/17/2016 174.50 117.46
15 9/17/2016 176.45 115.54
16 10/17/2016 178.41 113.61
17 11/17/2016 180.39 111.65
18 12/17/2016 182.40 109.67
19 1/17/2017 184.43 107.67
20 2/17/2017 186.48 105.64
21 3/17/2017 188.56 103.59
22 4/17/2017 190.66 101.52
23 5/17/2017 192.78 99.43
24 6/17/2017 194.93 97.31
25 7/17/2017 197.09 95.17
26 8/17/2017 199.29 93.01
27 9/17/2017 201.51 90.82
28 10/17/2017 203.75 88.61
29 11/17/2017 206.02 86.37
30 12/17/2017 208.31 84.11
 31 1/17/2018 210.63 81.82
32 2/17/2018 212.97 79.51
33 3/17/2018 215.34 77.17
34 4/17/2018 217.74 74.81
35 5/17/2018 220.16 72.42
36 6/17/2018 222.61 70.00
37 7/17/2018 225.09 67.56
38 8/17/2018 227.59 65.09
39 9/17/2018 230.13 62.59
40 10/17/2018 232.69 60.06
41 11/17/2018 235.28 57.51
42 12/17/2018 237.90 54.92
43 1/17/2019 240.54 52.31
44 2/17/2019 243.22 49.67
45 3/17/2019 245.93 47.00
46 4/17/2019 248.66 44.30
47 5/17/2019 251.43 41.57
48 6/17/2019 254.23 38.81
49 7/17/2019 257.06 36.02
50 8/17/2019 259.92 33.20
51 9/17/2019 262.81 30.34
52 10/17/2019 265.74 27.46
53 11/17/2019 268.69 24.54
54 12/17/2019 271.68 21.59
55 1/17/2020 274.71 18.61
56 2/17/2020 277.76 15.59
57 3/17/2020 280.86 12.54
58 4/17/2020 283.98 9.46
59 5/17/2020 287.14 6.34
60 6/17/2020 290.34 3.19
Totales 12,800.00 4,743.09
TEA 14.00%
TEM 1.10%
Seguro desgravamen 0.015%
Seguro Vehicular 0.10%
Portes $3.50

Cuota simple $293.57 $313.07

Seguro Seguro Cuota

Portes Saldo Flujos
desgravamen vehicular total
12,800.00 -12,800.00
1.92 16.00 3.50 313.07 12,648.88 312.96
1.90 16.00 3.50 313.07 12,496.08 312.96
1.87 16.00 3.50 313.07 12,341.58 312.96
1.85 16.00 3.50 313.07 12,185.36 312.96
1.83 16.00 3.50 313.07 12,027.40 312.96
1.80 16.00 3.50 313.07 11,867.68 312.96
1.78 16.00 3.50 313.07 11,706.19 312.96
1.76 16.00 3.50 313.07 11,542.90 312.96
1.73 16.00 3.50 313.07 11,377.79 312.96
1.71 16.00 3.50 313.07 11,210.84 312.96
1.68 16.00 3.50 313.07 11,042.04 312.96
1.66 16.00 3.50 313.07 10,871.35 312.96
1.63 16.00 3.50 313.07 10,698.77 312.96
1.60 16.00 3.50 313.07 10,524.27 312.96
1.58 16.00 3.50 313.07 10,347.82 312.96
1.55 16.00 3.50 313.07 10,169.41 312.96
1.53 16.00 3.50 313.07 9,989.02 312.96
1.50 16.00 3.50 313.07 9,806.62 312.96
1.47 16.00 3.50 313.07 9,622.18 312.96
1.44 16.00 3.50 313.07 9,435.70 312.96
1.42 16.00 3.50 313.07 9,247.14 312.96
1.39 16.00 3.50 313.07 9,056.48 312.96
1.36 16.00 3.50 313.07 8,863.70 312.96
1.33 16.00 3.50 313.07 8,668.78 312.96
1.30 16.00 3.50 313.07 8,471.68 312.96
1.27 16.00 3.50 313.07 8,272.39 312.96
1.24 16.00 3.50 313.07 8,070.89 312.96
1.21 16.00 3.50 313.07 7,867.14 312.96
1.18 16.00 3.50 313.07 7,661.12 312.96
1.15 16.00 3.50 313.07 7,452.81 312.96
 1.12 16.00 3.50 313.07 7,242.19 312.96
1.09 16.00 3.50 313.07 7,029.22 312.96
1.05 16.00 3.50 313.07 6,813.88 312.96
1.02 16.00 3.50 313.07 6,596.14 312.96
0.99 16.00 3.50 313.07 6,375.98 312.96
0.96 16.00 3.50 313.07 6,153.37 312.96
0.92 16.00 3.50 313.07 5,928.28 312.96
0.89 16.00 3.50 313.07 5,700.68 312.96
0.86 16.00 3.50 313.07 5,470.56 312.96
0.82 16.00 3.50 313.07 5,237.87 312.96
0.79 16.00 3.50 313.07 5,002.59 312.96
0.75 16.00 3.50 313.07 4,764.70 312.96
0.71 16.00 3.50 313.07 4,524.16 312.96
0.68 16.00 3.50 313.07 4,280.94 312.96
0.64 16.00 3.50 313.07 4,035.01 312.96
0.61 16.00 3.50 313.07 3,786.35 312.96
0.57 16.00 3.50 313.07 3,534.92 312.96
0.53 16.00 3.50 313.07 3,280.69 312.96
0.49 16.00 3.50 313.07 3,023.63 312.96
0.45 16.00 3.50 313.07 2,763.71 312.96
0.41 16.00 3.50 313.07 2,500.90 312.96
0.38 16.00 3.50 313.07 2,235.16 312.96
0.34 16.00 3.50 313.07 1,966.47 312.96
0.29 16.00 3.50 313.07 1,694.79 312.96
0.25 16.00 3.50 313.07 1,420.08 312.96
0.21 16.00 3.50 313.07 1,142.32 312.96
0.17 16.00 3.50 313.07 861.46 312.96
0.13 16.00 3.50 313.07 577.48 312.96
0.09 16.00 3.50 313.07 290.34 312.96
0.04 16.00 3.50 313.07 0.00 312.96
64.80 960.00 210.00 18,777.89