Cálculo de la cuota mensual

Principal $ 186,359.98
TEA 14.70%
TEM 1.15%
Nº de periodos 60 Meses

Importe Total
$ 72,621.71
de intereses

Pago Total $ 258,981.64

cuota mensual $ 4,316.36

 Cuadro de Servicio de la deuda tomando como datos la información entregada por el
cliente. Prestamo de un Principal de $ 186,359.98 con una tasa efectiva anual de
14.7% por un periodo de cinco años y considerando pagos periódicos mensuales.

La TEA debería considerar todos los gastos, sin embargo algunas entidades
financieras utilizan nuevos terminos que a su criterio incluiran todas los gastos de la
deuda

nº cuota Principal interes amortización cuota

1 186,359.98 2,142.16 2,174.20 4,316.36
2 184,185.78 2,117.16 2,199.20 4,316.36
3 181,986.58 2,091.88 2,224.48 4,316.36
4 179,762.10 2,066.32 2,250.05 4,316.36
5 177,512.06 2,040.45 2,275.91 4,316.36
6 175,236.15 2,014.29 2,302.07 4,316.36
7 172,934.08 1,987.83 2,328.53 4,316.36
8 170,605.55 1,961.06 2,355.30 4,316.36
9 168,250.25 1,933.99 2,382.37 4,316.36
10 165,867.88 1,906.60 2,409.76 4,316.36
11 163,458.12 1,878.91 2,437.46 4,316.36
12 161,020.67 1,850.89 2,465.47 4,316.36
13 158,555.19 1,822.55 2,493.81 4,316.36
14 156,061.38 1,793.88 2,522.48 4,316.36
15 153,538.90 1,764.89 2,551.47 4,316.36
16 150,987.43 1,735.56 2,580.80 4,316.36
17 148,406.62 1,705.89 2,610.47 4,316.36
18 145,796.16 1,675.89 2,640.47 4,316.36
19 143,155.68 1,645.53 2,670.83 4,316.36
20 140,484.85 1,614.83 2,701.53 4,316.36
21 137,783.33 1,583.78 2,732.58 4,316.36
22 135,050.75 1,552.37 2,763.99 4,316.36
23 132,286.76 1,520.60 2,795.76 4,316.36
24 129,491.00 1,488.46 2,827.90 4,316.36
25 126,663.10 1,455.96 2,860.40 4,316.36
26 123,802.69 1,423.08 2,893.28 4,316.36
27 120,909.41 1,389.82 2,926.54 4,316.36
28 117,982.87 1,356.18 2,960.18 4,316.36
29 115,022.69 1,322.15 2,994.21 4,316.36
30 112,028.48 1,287.74 3,028.62 4,316.36
31 108,999.86 1,252.92 3,063.44 4,316.36
32 105,936.42 1,217.71 3,098.65 4,316.36
33 102,837.77 1,182.09 3,134.27 4,316.36
34 99,703.50 1,146.06 3,170.30 4,316.36
35 96,533.20 1,109.62 3,206.74 4,316.36
36 93,326.46 1,072.76 3,243.60 4,316.36
37 90,082.86 1,035.48 3,280.88 4,316.36
38 86,801.98 997.76 3,318.60 4,316.36
39 83,483.38 959.62 3,356.74 4,316.36
40 80,126.64 921.03 3,395.33 4,316.36
41 76,731.31 882.00 3,434.36 4,316.36
42 73,296.96 842.53 3,473.83 4,316.36
43 69,823.13 802.60 3,513.76 4,316.36
 44 66,309.36 762.21 3,554.15 4,316.36
45 62,755.21 721.35 3,595.01 4,316.36
46 59,160.20 680.03 3,636.33 4,316.36
47 55,523.87 638.23 3,678.13 4,316.36
48 51,845.74 595.95 3,720.41 4,316.36
49 48,125.33 553.19 3,763.17 4,316.36
50 44,362.16 509.93 3,806.43 4,316.36
51 40,555.73 466.18 3,850.18 4,316.36
52 36,705.55 421.92 3,894.44 4,316.36
53 32,811.11 377.15 3,939.21 4,316.36
54 28,871.90 331.87 3,984.49 4,316.36
55 24,887.41 286.07 4,030.29 4,316.36
56 20,857.13 239.75 4,076.61 4,316.36
57 16,780.51 192.89 4,123.47 4,316.36
58 12,657.04 145.49 4,170.87 4,316.36
59 8,486.17 97.55 4,218.81 4,316.36
60 4,267.35 49.05 4,267.31 4,316.36

Total Interes 72,621.71

Conversión de la TEA en TEM

TEA 14.70%
TEM 1.15%

Conversión de la TEM en TEA

TEM 1.15%
TEA 14.70%