TASAS NOMINALES Y EFECTIVAS

Ejemplo:
Monto:
Plazo:
Tasa:

Depsito bancario
S/. 10,000.00
1
aos
8.00%
anual

Alternativa 1:
Calcular y liquidar intereses al final del ao
Alternativa 2:
Calcular y liquidar intereses cada 3 meses y reinvertirlos automticamente
Desarrollo Alternativa 1
Intereses: S/. 800.00

Desarrollo Alternativa 2
Tasa de inters:

2.00%

en 3 meses

Trimestre Monto inicio Intereses

1
S/. 10,000.00
S/. 200.00
2
S/. 10,200.00
S/. 204.00
3
S/. 10,404.00
S/. 208.08
4
S/. 10,612.08
S/. 212.24
S/. 824.32

Monto final
S/. 10,200.00
S/. 10,404.00
S/. 10,612.08
S/. 10,824.32

Tasa que se ha ganado:

efectiva anual

8.2432%

Clculo de la tasa efectiva

8.2432%

INT.EFECTIVO

Ejemplo 2: Depsito bancario

Monto:
S/. 20,000.00
Plazo:
1
aos
Tasa:
7.00%
TEA
Alternativa 1:
Calcular y liquidar intereses al final del ao
Alternativa 2:
Calcular y liquidar intereses cada 3 meses y reinvertirlos automticamente
Desarrollo Alternativa 1
Tasa inters anual:
Intereses del ao:

7.00%
TEA
S/. 1,400.00

Desarrollo Alternativa 2
Tasa de inters anual:
7.00%
Clculo de la tasa nominal anual:
Tasa de inters del trimestre

TEA
6.8234%
1.7059%

Trimestre Monto inicio Intereses

1
S/. 20,000.00
S/. 341.17
2
S/. 20,341.17
S/. 346.99
3
S/. 20,688.16
S/. 352.91
4
S/. 21,041.07
S/. 358.93
S/. 1,400.00

TASA.NOMINAL
en 3 meses

Monto final
S/. 20,341.17
S/. 20,688.16
S/. 21,041.07
S/. 21,400.00

FORMAS ALTERNATIVAS DE CLCULO

Para la tasa efectiva:

8.2432%

funcin POTENCIA

Para la tasa nominal:

1.7059%
6.8234%

funcin POTENCIA

CAPITALIZACIN A DISTINTAS TASAS

Ejemplo: Depsito bancario
Monto:
S/. 50,000.00
Plazo:
1
ao
Tasa de inters:
segn cuadro
Perodo
0-2 meses
2-5 meses
5-9 meses
9-12 meses

Tasa
6.00%
7.50%
8.25%
9.00%

Tipo
TEA
TNA
TEA
TNA

5.8553%
0.9759%

Monto inicio Tasa de periodo

S/. 50,000.00 0.9759%
S/. 50,487.94 1.8750%
S/. 51,434.59 2.6777%
S/. 52,811.83 2.2500%

Intereses
S/. 487.94
S/. 946.65
S/. 1,377.24
S/. 1,188.27

Monto final
S/. 50,487.94
S/. 51,434.59
S/. 52,811.83
S/. 54,000.10

8.0330%
2.6777%
Clculo del Monto Final

S/. 54,000.10 funcin VF.PLAN

PAGO DE OBLIGACIONES MEDIANTE CUOTAS FIJAS

Prstamo:
S/. 80,000.00
Plazo (aos):
5
TEA:
12.00%
Forma de pago: Cuotas fijas mensuales
Desembolso:
15-Apr-13
Clculo de la cuota mensual
Tasa mensual:
0.9489%
Cuota mensual:
Total a pagar:
Total intereses:

S/. -1,754.86
S/. -105,291.34
S/. -25,291.34

Cuadro de amortizacin de la deuda

Periodo
Fecha
S. inicial
Intereses
1
15-May-13 S/. 80,000.00
S/. 759.10
2
14-Jun-13
S/. 79,004.25
S/. 749.65
3
14-Jul-13
S/. 77,999.05
S/. 740.12
4
13-Aug-13
S/. 76,984.31
S/. 730.49
5
12-Sep-13
S/. 75,959.94
S/. 720.77
6
12-Oct-13
S/. 74,925.85
S/. 710.96
7
11-Nov-13 S/. 73,881.95
S/. 701.05
8
11-Dec-13
S/. 72,828.15
S/. 691.05
9
10-Jan-14
S/. 71,764.34
S/. 680.96
10
9-Feb-14
S/. 70,690.45
S/. 670.77
11
11-Mar-14 S/. 69,606.36
S/. 660.48
12
10-Apr-14
S/. 68,511.98
S/. 650.10
13
10-May-14 S/. 67,407.22
S/. 639.61
14
9-Jun-14
S/. 66,291.98
S/. 629.03
15
9-Jul-14
S/. 65,166.15
S/. 618.35
16
8-Aug-14
S/. 64,029.65
S/. 607.56
17
7-Sep-14
S/. 62,882.35
S/. 596.68
18
7-Oct-14
S/. 61,724.18
S/. 585.69
19
6-Nov-14
S/. 60,555.01
S/. 574.59
20
6-Dec-14
S/. 59,374.75
S/. 563.39
21
5-Jan-15
S/. 58,183.29
S/. 552.09
22
4-Feb-15
S/. 56,980.52
S/. 540.68
23
6-Mar-15
S/. 55,766.34
S/. 529.16
24
5-Apr-15
S/. 54,540.64
S/. 517.52
25
5-May-15
S/. 53,303.31
S/. 505.78
26
4-Jun-15
S/. 52,054.24
S/. 493.93
27
4-Jul-15
S/. 50,793.31
S/. 481.97
28
3-Aug-15
S/. 49,520.43
S/. 469.89
29
2-Sep-15
S/. 48,235.46
S/. 457.70
30
2-Oct-15
S/. 46,938.30
S/. 445.39
31
1-Nov-15
S/. 45,628.83
S/. 432.96
32
1-Dec-15
S/. 44,306.94
S/. 420.42
33
31-Dec-15
S/. 42,972.50
S/. 407.76
34
30-Jan-16
S/. 41,625.40
S/. 394.97
35
29-Feb-16
S/. 40,265.52
S/. 382.07
36
30-Mar-16 S/. 38,892.74
S/. 369.05
37
29-Apr-16
S/. 37,506.93
S/. 355.90
38
29-May-16 S/. 36,107.97
S/. 342.62
39
28-Jun-16
S/. 34,695.73
S/. 329.22
40
28-Jul-16
S/. 33,270.10
S/. 315.69
41
27-Aug-16
S/. 31,830.94
S/. 302.04
42
26-Sep-16
S/. 30,378.12
S/. 288.25
43
26-Oct-16
S/. 28,911.51
S/. 274.34

Amortiz.
S/. 995.75
S/. 1,005.20
S/. 1,014.74
S/. 1,024.37
S/. 1,034.09
S/. 1,043.90
S/. 1,053.81
S/. 1,063.80
S/. 1,073.90
S/. 1,084.09
S/. 1,094.38
S/. 1,104.76
S/. 1,115.24
S/. 1,125.82
S/. 1,136.51
S/. 1,147.29
S/. 1,158.18
S/. 1,169.17
S/. 1,180.26
S/. 1,191.46
S/. 1,202.77
S/. 1,214.18
S/. 1,225.70
S/. 1,237.33
S/. 1,249.07
S/. 1,260.92
S/. 1,272.89
S/. 1,284.97
S/. 1,297.16
S/. 1,309.47
S/. 1,321.89
S/. 1,334.44
S/. 1,347.10
S/. 1,359.88
S/. 1,372.78
S/. 1,385.81
S/. 1,398.96
S/. 1,412.23
S/. 1,425.64
S/. 1,439.16
S/. 1,452.82
S/. 1,466.60
S/. 1,480.52

44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

25-Nov-16
25-Dec-16
24-Jan-17
23-Feb-17
25-Mar-17
24-Apr-17
24-May-17
23-Jun-17
23-Jul-17
22-Aug-17
21-Sep-17
21-Oct-17
20-Nov-17
20-Dec-17
19-Jan-18
18-Feb-18
20-Mar-18

S/. 27,430.99
S/. 25,936.42
S/. 24,427.67
S/. 22,904.61
S/. 21,367.09
S/. 19,814.98
S/. 18,248.15
S/. 16,666.44
S/. 15,069.73
S/. 13,457.87
S/. 11,830.71
S/. 10,188.12
S/. 8,529.93
S/. 6,856.02
S/. 5,166.22
S/. 3,460.38
S/. 1,738.36

Clculo de intereses de la cuota # 17

Clculo de amortizacin cuota # 17

S/. 260.29
S/. 246.11
S/. 231.79
S/. 217.34
S/. 202.75
S/. 188.02
S/. 173.15
S/. 158.14
S/. 142.99
S/. 127.70
S/. 112.26
S/. 96.67
S/. 80.94
S/. 65.06
S/. 49.02
S/. 32.83
S/. 16.49

S/. 1,494.57
S/. 1,508.75
S/. 1,523.07
S/. 1,537.52
S/. 1,552.11
S/. 1,566.84
S/. 1,581.70
S/. 1,596.71
S/. 1,611.86
S/. 1,627.16
S/. 1,642.60
S/. 1,658.18
S/. 1,673.92
S/. 1,689.80
S/. 1,705.83
S/. 1,722.02
S/. 1,738.36

S/. 25,291.34

S/. 80,000.00

S/. -596.68 funcin PAGOINT

S/. -1,158.18

Cuota
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86

S. Final
S/. 79,004.25
S/. 77,999.05
S/. 76,984.31
S/. 75,959.94
S/. 74,925.85
S/. 73,881.95
S/. 72,828.15
S/. 71,764.34
S/. 70,690.45
S/. 69,606.36
S/. 68,511.98
S/. 67,407.22
S/. 66,291.98
S/. 65,166.15
S/. 64,029.65
S/. 62,882.35
S/. 61,724.18
S/. 60,555.01
S/. 59,374.75
S/. 58,183.29
S/. 56,980.52
S/. 55,766.34
S/. 54,540.64
S/. 53,303.31
S/. 52,054.24
S/. 50,793.31
S/. 49,520.43
S/. 48,235.46
S/. 46,938.30
S/. 45,628.83
S/. 44,306.94
S/. 42,972.50
S/. 41,625.40
S/. 40,265.52
S/. 38,892.74
S/. 37,506.93
S/. 36,107.97
S/. 34,695.73
S/. 33,270.10
S/. 31,830.94
S/. 30,378.12
S/. 28,911.51
S/. 27,430.99

S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86
S/. 1,754.86

cin PAGOINT
funcin PAGOPRIN

S/. 25,936.42
S/. 24,427.67
S/. 22,904.61
S/. 21,367.09
S/. 19,814.98
S/. 18,248.15
S/. 16,666.44
S/. 15,069.73
S/. 13,457.87
S/. 11,830.71
S/. 10,188.12
S/. 8,529.93
S/. 6,856.02
S/. 5,166.22
S/. 3,460.38
S/. 1,738.36
S/. 0.00

PAGO DE PRSTAMO HIPOTECARIO MEDIANTE CUOTAS FIJAS

Prstamo:
Plazo (aos):
TEA:
Forma de pago:
Desembolso:

S/. 200,000.00
12
9.00%
Cuotas fijas mensuales
18-Apr-13

Clculo de la cuota mensual

Tasa mensual:
0.7207%
Cuota mensual:

S/. -2,236.68

Total a pagar:

S/. -322,082.38

Total intereses:

S/. -122,082.38

Cuadro de amortizacin de la deuda

Periodo

Fecha

S. inicial

Intereses

Amortiz.

18-May-13

S/. 200,000.00

S/. 1,441.46

S/. 795.22

17-Jun-13

S/. 199,204.78

S/. 1,435.73

S/. 800.95

17-Jul-13

S/. 198,403.83

S/. 1,429.96

S/. 806.72

16-Aug-13

S/. 197,597.11

S/. 1,424.15

S/. 812.54

15-Sep-13

S/. 196,784.57

S/. 1,418.29

S/. 818.39

15-Oct-13

S/. 195,966.18

S/. 1,412.39

S/. 824.29

14-Nov-13

S/. 195,141.89

S/. 1,406.45

S/. 830.23

14-Dec-13

S/. 194,311.65

S/. 1,400.47

S/. 836.22

13-Jan-14

S/. 193,475.44

S/. 1,394.44

S/. 842.24

10

12-Feb-14

S/. 192,633.20

S/. 1,388.37

S/. 848.31

11

14-Mar-14

S/. 191,784.88

S/. 1,382.26

S/. 854.43

12

13-Apr-14

S/. 190,930.45

S/. 1,376.10

S/. 860.59

13

13-May-14

S/. 190,069.87

S/. 1,369.89

S/. 866.79

14

12-Jun-14

S/. 189,203.08

S/. 1,363.65

S/. 873.04

15

12-Jul-14

S/. 188,330.04

S/. 1,357.36

S/. 879.33

16

11-Aug-14

S/. 187,450.72

S/. 1,351.02

S/. 885.67

17

10-Sep-14

S/. 186,565.05

S/. 1,344.63

S/. 892.05

18

10-Oct-14

S/. 185,673.00

S/. 1,338.21

S/. 898.48

19

9-Nov-14

S/. 184,774.53

S/. 1,331.73

S/. 904.95

20

9-Dec-14

S/. 183,869.57

S/. 1,325.21

S/. 911.48

21

8-Jan-15

S/. 182,958.10

S/. 1,318.64

S/. 918.05

22

7-Feb-15

S/. 182,040.05

S/. 1,312.02

S/. 924.66

23

9-Mar-15

S/. 181,115.39

S/. 1,305.36

S/. 931.33

24

8-Apr-15

S/. 180,184.06

S/. 1,298.64

S/. 938.04

25

8-May-15

S/. 179,246.02

S/. 1,291.88

S/. 944.80

26

7-Jun-15

S/. 178,301.23

S/. 1,285.07

S/. 951.61

27

7-Jul-15

S/. 177,349.62

S/. 1,278.22

S/. 958.47

28

6-Aug-15

S/. 176,391.15

S/. 1,271.31

S/. 965.38

29

5-Sep-15

S/. 175,425.77

S/. 1,264.35

S/. 972.33

30

5-Oct-15

S/. 174,453.44

S/. 1,257.34

S/. 979.34

31

4-Nov-15

S/. 173,474.10

S/. 1,250.28

S/. 986.40

32

4-Dec-15

S/. 172,487.70

S/. 1,243.17

S/. 993.51

33

3-Jan-16

S/. 171,494.19

S/. 1,236.01

S/. 1,000.67

34

2-Feb-16

S/. 170,493.52

S/. 1,228.80

S/. 1,007.88

35

3-Mar-16

S/. 169,485.64

S/. 1,221.54

S/. 1,015.15

36

2-Apr-16

S/. 168,470.50

S/. 1,214.22

S/. 1,022.46

37

2-May-16

S/. 167,448.04

S/. 1,206.85

S/. 1,029.83

38

1-Jun-16

S/. 166,418.20

S/. 1,199.43

S/. 1,037.25

39

1-Jul-16

S/. 165,380.95

S/. 1,191.95

S/. 1,044.73

40

31-Jul-16

S/. 164,336.22

S/. 1,184.42

S/. 1,052.26

41

30-Aug-16

S/. 163,283.96

S/. 1,176.84

S/. 1,059.84

42

29-Sep-16

S/. 162,224.12

S/. 1,169.20

S/. 1,067.48

43

29-Oct-16

S/. 161,156.64

S/. 1,161.51

S/. 1,075.18

44

28-Nov-16

S/. 160,081.46

S/. 1,153.76

S/. 1,082.92

45

28-Dec-16

S/. 158,998.54

S/. 1,145.95

S/. 1,090.73

46

27-Jan-17

S/. 157,907.81

S/. 1,138.09

S/. 1,098.59

47

26-Feb-17

S/. 156,809.22

S/. 1,130.17

S/. 1,106.51

48

28-Mar-17

S/. 155,702.71

S/. 1,122.20

S/. 1,114.48

49

27-Apr-17

S/. 154,588.23

S/. 1,114.17

S/. 1,122.52

50

27-May-17

S/. 153,465.71

S/. 1,106.08

S/. 1,130.61

51

26-Jun-17

S/. 152,335.10

S/. 1,097.93

S/. 1,138.75

52

26-Jul-17

S/. 151,196.35

S/. 1,089.72

S/. 1,146.96

53

25-Aug-17

S/. 150,049.39

S/. 1,081.45

S/. 1,155.23

54

24-Sep-17

S/. 148,894.16

S/. 1,073.13

S/. 1,163.55

55

24-Oct-17

S/. 147,730.60

S/. 1,064.74

S/. 1,171.94

56

23-Nov-17

S/. 146,558.66

S/. 1,056.30

S/. 1,180.39

57

23-Dec-17

S/. 145,378.28

S/. 1,047.79

S/. 1,188.89

58

22-Jan-18

S/. 144,189.38

S/. 1,039.22

S/. 1,197.46

59

21-Feb-18

S/. 142,991.92

S/. 1,030.59

S/. 1,206.09

60

23-Mar-18

S/. 141,785.82

S/. 1,021.90

S/. 1,214.79

61

22-Apr-18

S/. 140,571.04

S/. 1,013.14

S/. 1,223.54

62

22-May-18

S/. 139,347.49

S/. 1,004.32

S/. 1,232.36

63

21-Jun-18

S/. 138,115.13

S/. 995.44

S/. 1,241.24

64

21-Jul-18

S/. 136,873.89

S/. 986.49

S/. 1,250.19

65

20-Aug-18

S/. 135,623.70

S/. 977.48

S/. 1,259.20

66

19-Sep-18

S/. 134,364.50

S/. 968.41

S/. 1,268.27

67

19-Oct-18

S/. 133,096.23

S/. 959.27

S/. 1,277.42

68

18-Nov-18

S/. 131,818.81

S/. 950.06

S/. 1,286.62

69

18-Dec-18

S/. 130,532.19

S/. 940.79

S/. 1,295.90

70

17-Jan-19

S/. 129,236.29

S/. 931.45

S/. 1,305.24

71

16-Feb-19

S/. 127,931.06

S/. 922.04

S/. 1,314.64

72

18-Mar-19

S/. 126,616.41

S/. 912.57

S/. 1,324.12

73

17-Apr-19

S/. 125,292.30

S/. 903.02

S/. 1,333.66

74

17-May-19

S/. 123,958.64

S/. 893.41

S/. 1,343.27

75

16-Jun-19

S/. 122,615.36

S/. 883.73

S/. 1,352.95

76

16-Jul-19

S/. 121,262.41

S/. 873.98

S/. 1,362.71

77

15-Aug-19

S/. 119,899.70

S/. 864.16

S/. 1,372.53

78

14-Sep-19

S/. 118,527.17

S/. 854.26

S/. 1,382.42

79

14-Oct-19

S/. 117,144.76

S/. 844.30

S/. 1,392.38

80

13-Nov-19

S/. 115,752.37

S/. 834.26

S/. 1,402.42

81

13-Dec-19

S/. 114,349.95

S/. 824.16

S/. 1,412.53

82

12-Jan-20

S/. 112,937.43

S/. 813.98

S/. 1,422.71

83

11-Feb-20

S/. 111,514.72

S/. 803.72

S/. 1,432.96

84

12-Mar-20

S/. 110,081.76

S/. 793.39

S/. 1,443.29

85

11-Apr-20

S/. 108,638.47

S/. 782.99

S/. 1,453.69

86

11-May-20

S/. 107,184.78

S/. 772.52

S/. 1,464.17

87

10-Jun-20

S/. 105,720.61

S/. 761.96

S/. 1,474.72

88

10-Jul-20

S/. 104,245.89

S/. 751.33

S/. 1,485.35

89

9-Aug-20

S/. 102,760.54

S/. 740.63

S/. 1,496.05

90

8-Sep-20

S/. 101,264.49

S/. 729.85

S/. 1,506.84

91

8-Oct-20

S/. 99,757.65

S/. 718.99

S/. 1,517.70

92

7-Nov-20

S/. 98,239.95

S/. 708.05

S/. 1,528.64

93

7-Dec-20

S/. 96,711.32

S/. 697.03

S/. 1,539.65

94

6-Jan-21

S/. 95,171.66

S/. 685.93

S/. 1,550.75

95

5-Feb-21

S/. 93,620.91

S/. 674.76

S/. 1,561.93

96

7-Mar-21

S/. 92,058.99

S/. 663.50

S/. 1,573.18

97

6-Apr-21

S/. 90,485.80

S/. 652.16

S/. 1,584.52

98

6-May-21

S/. 88,901.28

S/. 640.74

S/. 1,595.94

99

5-Jun-21

S/. 87,305.34

S/. 629.24

S/. 1,607.45

100

5-Jul-21

S/. 85,697.89

S/. 617.65

S/. 1,619.03

101

4-Aug-21

S/. 84,078.86

S/. 605.98

S/. 1,630.70

102

3-Sep-21

S/. 82,448.16

S/. 594.23

S/. 1,642.45

103

3-Oct-21

S/. 80,805.71

S/. 582.39

S/. 1,654.29

104

2-Nov-21

S/. 79,151.42

S/. 570.47

S/. 1,666.21

105

2-Dec-21

S/. 77,485.20

S/. 558.46

S/. 1,678.22

106

1-Jan-22

S/. 75,806.98

S/. 546.37

S/. 1,690.32

107

31-Jan-22

S/. 74,116.66

S/. 534.18

S/. 1,702.50

108

2-Mar-22

S/. 72,414.16

S/. 521.91

S/. 1,714.77

109

1-Apr-22

S/. 70,699.39

S/. 509.55

S/. 1,727.13

110

1-May-22

S/. 68,972.26

S/. 497.11

S/. 1,739.58

111

31-May-22

S/. 67,232.69

S/. 484.57

S/. 1,752.12

112

30-Jun-22

S/. 65,480.57

S/. 471.94

S/. 1,764.74

113

30-Jul-22

S/. 63,715.83

S/. 459.22

S/. 1,777.46

114

29-Aug-22

S/. 61,938.36

S/. 446.41

S/. 1,790.27

115

28-Sep-22

S/. 60,148.09

S/. 433.51

S/. 1,803.18

116

28-Oct-22

S/. 58,344.91

S/. 420.51

S/. 1,816.17

117

27-Nov-22

S/. 56,528.74

S/. 407.42

S/. 1,829.26

118

27-Dec-22

S/. 54,699.48

S/. 394.24

S/. 1,842.45

119

26-Jan-23

S/. 52,857.03

S/. 380.96

S/. 1,855.73

120

25-Feb-23

S/. 51,001.31

S/. 367.58

S/. 1,869.10

121

27-Mar-23

S/. 49,132.21

S/. 354.11

S/. 1,882.57

122

26-Apr-23

S/. 47,249.64

S/. 340.54

S/. 1,896.14

123

26-May-23

S/. 45,353.50

S/. 326.88

S/. 1,909.81

124

25-Jun-23

S/. 43,443.69

S/. 313.11

S/. 1,923.57

125

25-Jul-23

S/. 41,520.12

S/. 299.25

S/. 1,937.43

126

24-Aug-23

S/. 39,582.69

S/. 285.29

S/. 1,951.40

127

23-Sep-23

S/. 37,631.29

S/. 271.22

S/. 1,965.46

128

23-Oct-23

S/. 35,665.82

S/. 257.06

S/. 1,979.63

129

22-Nov-23

S/. 33,686.20

S/. 242.79

S/. 1,993.90

130

22-Dec-23

S/. 31,692.30

S/. 228.42

S/. 2,008.27

131

21-Jan-24

S/. 29,684.03

S/. 213.94

S/. 2,022.74

132

20-Feb-24

S/. 27,661.29

S/. 199.36

S/. 2,037.32

133

21-Mar-24

S/. 25,623.97

S/. 184.68

S/. 2,052.00

134

20-Apr-24

S/. 23,571.97

S/. 169.89

S/. 2,066.79

135

20-May-24

S/. 21,505.18

S/. 154.99

S/. 2,081.69

136

19-Jun-24

S/. 19,423.49

S/. 139.99

S/. 2,096.69

137

19-Jul-24

S/. 17,326.80

S/. 124.88

S/. 2,111.80

138

18-Aug-24

S/. 15,215.00

S/. 109.66

S/. 2,127.02

139

17-Sep-24

S/. 13,087.97

S/. 94.33

S/. 2,142.35

140

17-Oct-24

S/. 10,945.62

S/. 78.89

S/. 2,157.79

141

16-Nov-24

S/. 8,787.82

S/. 63.34

S/. 2,173.35

142

16-Dec-24

S/. 6,614.48

S/. 47.67

S/. 2,189.01

143

15-Jan-25

S/. 4,425.47

S/. 31.90

S/. 2,204.79

144

14-Feb-25

S/. 2,220.68

S/. 16.01

S/. 2,220.68

S/. 122,082.38 S/. 200,000.00

Cuota

S. Final

S/. 2,236.68

S/. 199,204.78

S/. 2,236.68

S/. 198,403.83

S/. 2,236.68

S/. 197,597.11

S/. 2,236.68

S/. 196,784.57

S/. 2,236.68

S/. 195,966.18

S/. 2,236.68

S/. 195,141.89

S/. 2,236.68

S/. 194,311.65

S/. 2,236.68

S/. 193,475.44

S/. 2,236.68

S/. 192,633.20

S/. 2,236.68

S/. 191,784.88

S/. 2,236.68

S/. 190,930.45

S/. 2,236.68

S/. 190,069.87

S/. 2,236.68

S/. 189,203.08

S/. 2,236.68

S/. 188,330.04

S/. 2,236.68

S/. 187,450.72

S/. 2,236.68

S/. 186,565.05

S/. 2,236.68

S/. 185,673.00

S/. 2,236.68

S/. 184,774.53

S/. 2,236.68

S/. 183,869.57

S/. 2,236.68

S/. 182,958.10

S/. 2,236.68

S/. 182,040.05

S/. 2,236.68

S/. 181,115.39

S/. 2,236.68

S/. 180,184.06

S/. 2,236.68

S/. 179,246.02

S/. 2,236.68

S/. 178,301.23

S/. 2,236.68

S/. 177,349.62

S/. 2,236.68

S/. 176,391.15

S/. 2,236.68

S/. 175,425.77

S/. 2,236.68

S/. 174,453.44

S/. 2,236.68

S/. 173,474.10

S/. 2,236.68

S/. 172,487.70

S/. 2,236.68

S/. 171,494.19

S/. 2,236.68

S/. 170,493.52

S/. 2,236.68

S/. 169,485.64

S/. 2,236.68

S/. 168,470.50

S/. 2,236.68

S/. 167,448.04

S/. 2,236.68

S/. 166,418.20

S/. 2,236.68

S/. 165,380.95

S/. 2,236.68

S/. 164,336.22

S/. 2,236.68

S/. 163,283.96

S/. 2,236.68

S/. 162,224.12

S/. 2,236.68

S/. 161,156.64

S/. 2,236.68

S/. 160,081.46

S/. 2,236.68

S/. 158,998.54

S/. 2,236.68

S/. 157,907.81

S/. 2,236.68

S/. 156,809.22

S/. 2,236.68

S/. 155,702.71

S/. 2,236.68

S/. 154,588.23

S/. 2,236.68

S/. 153,465.71

S/. 2,236.68

S/. 152,335.10

S/. 2,236.68

S/. 151,196.35

S/. 2,236.68

S/. 150,049.39

S/. 2,236.68

S/. 148,894.16

S/. 2,236.68

S/. 147,730.60

S/. 2,236.68

S/. 146,558.66

S/. 2,236.68

S/. 145,378.28

S/. 2,236.68

S/. 144,189.38

S/. 2,236.68

S/. 142,991.92

S/. 2,236.68

S/. 141,785.82

S/. 2,236.68

S/. 140,571.04

S/. 2,236.68

S/. 139,347.49

S/. 2,236.68

S/. 138,115.13

S/. 2,236.68

S/. 136,873.89

S/. 2,236.68

S/. 135,623.70

S/. 2,236.68

S/. 134,364.50

S/. 2,236.68

S/. 133,096.23

S/. 2,236.68

S/. 131,818.81

S/. 2,236.68

S/. 130,532.19

S/. 2,236.68

S/. 129,236.29

S/. 2,236.68

S/. 127,931.06

S/. 2,236.68

S/. 126,616.41

S/. 2,236.68

S/. 125,292.30

S/. 2,236.68

S/. 123,958.64

S/. 2,236.68

S/. 122,615.36

S/. 2,236.68

S/. 121,262.41

S/. 2,236.68

S/. 119,899.70

S/. 2,236.68

S/. 118,527.17

S/. 2,236.68

S/. 117,144.76

S/. 2,236.68

S/. 115,752.37

S/. 2,236.68

S/. 114,349.95

S/. 2,236.68

S/. 112,937.43

S/. 2,236.68

S/. 111,514.72

S/. 2,236.68

S/. 110,081.76

S/. 2,236.68

S/. 108,638.47

S/. 2,236.68

S/. 107,184.78

S/. 2,236.68

S/. 105,720.61

S/. 2,236.68

S/. 104,245.89

S/. 2,236.68

S/. 102,760.54

S/. 2,236.68

S/. 101,264.49

S/. 2,236.68

S/. 99,757.65

S/. 2,236.68

S/. 98,239.95

S/. 2,236.68

S/. 96,711.32

S/. 2,236.68

S/. 95,171.66

S/. 2,236.68

S/. 93,620.91

S/. 2,236.68

S/. 92,058.99

S/. 2,236.68

S/. 90,485.80

S/. 2,236.68

S/. 88,901.28

S/. 2,236.68

S/. 87,305.34

S/. 2,236.68

S/. 85,697.89

S/. 2,236.68

S/. 84,078.86

S/. 2,236.68

S/. 82,448.16

S/. 2,236.68

S/. 80,805.71

S/. 2,236.68

S/. 79,151.42

S/. 2,236.68

S/. 77,485.20

S/. 2,236.68

S/. 75,806.98

S/. 2,236.68

S/. 74,116.66

S/. 2,236.68

S/. 72,414.16

S/. 2,236.68

S/. 70,699.39

S/. 2,236.68

S/. 68,972.26

S/. 2,236.68

S/. 67,232.69

S/. 2,236.68

S/. 65,480.57

S/. 2,236.68

S/. 63,715.83

S/. 2,236.68

S/. 61,938.36

S/. 2,236.68

S/. 60,148.09

S/. 2,236.68

S/. 58,344.91

S/. 2,236.68

S/. 56,528.74

S/. 2,236.68

S/. 54,699.48

S/. 2,236.68

S/. 52,857.03

S/. 2,236.68

S/. 51,001.31

S/. 2,236.68

S/. 49,132.21

S/. 2,236.68

S/. 47,249.64

S/. 2,236.68

S/. 45,353.50

S/. 2,236.68

S/. 43,443.69

S/. 2,236.68

S/. 41,520.12

S/. 2,236.68

S/. 39,582.69

S/. 2,236.68

S/. 37,631.29

S/. 2,236.68

S/. 35,665.82

S/. 2,236.68

S/. 33,686.20

S/. 2,236.68

S/. 31,692.30

S/. 2,236.68

S/. 29,684.03

S/. 2,236.68

S/. 27,661.29

S/. 2,236.68

S/. 25,623.97

S/. 2,236.68

S/. 23,571.97

S/. 2,236.68

S/. 21,505.18

S/. 2,236.68

S/. 19,423.49

S/. 2,236.68

S/. 17,326.80

S/. 2,236.68

S/. 15,215.00

S/. 2,236.68

S/. 13,087.97

S/. 2,236.68

S/. 10,945.62

S/. 2,236.68

S/. 8,787.82

S/. 2,236.68

S/. 6,614.48

S/. 2,236.68

S/. 4,425.47

S/. 2,236.68

S/. 2,220.68

S/. 2,236.68

S/. 0.00

PAGO DE OBLIGACIONES MEDIANTE CUOTAS FIJAS ADELANTADAS

Prstamo:
Plazo (aos):
TEA:
Forma de pago:
Desembolso:

S/. 80,000.00
5
12.00%
Cuotas fijas mensuales adelantadas
15-Apr-13

Clculo de la cuota mensual

Tasa mensual:
0.9489%
Cuota mensual:

S/. -1,738.36

Cuadro de amortizacin de la deuda

Periodo
Fecha
S. inicial
1
15-Apr-13
S/. 80,000.00
2
15-May-13
S/. 78,261.64
3
14-Jun-13
S/. 77,265.89
4
14-Jul-13
S/. 76,260.69
5
13-Aug-13
S/. 75,245.95
6
12-Sep-13
S/. 74,221.58
7
12-Oct-13
S/. 73,187.49
8
11-Nov-13
S/. 72,143.59
9
11-Dec-13
S/. 71,089.79
10
10-Jan-14
S/. 70,025.98
11
9-Feb-14
S/. 68,952.08
12
11-Mar-14
S/. 67,868.00
13
10-Apr-14
S/. 66,773.62
14
10-May-14
S/. 65,668.86
15
9-Jun-14
S/. 64,553.62
16
9-Jul-14
S/. 63,427.79
17
8-Aug-14
S/. 62,291.29
18
7-Sep-14
S/. 61,143.99
19
7-Oct-14
S/. 59,985.82
20
6-Nov-14
S/. 58,816.65
21
6-Dec-14
S/. 57,636.39
22
5-Jan-15
S/. 56,444.93
23
4-Feb-15
S/. 55,242.16
24
6-Mar-15
S/. 54,027.98
25
5-Apr-15
S/. 52,802.28
26
5-May-15
S/. 51,564.95
27
4-Jun-15
S/. 50,315.88
28
4-Jul-15
S/. 49,054.95
29
3-Aug-15
S/. 47,782.06
30
2-Sep-15
S/. 46,497.10
31
2-Oct-15
S/. 45,199.94
32
1-Nov-15
S/. 43,890.47
33
1-Dec-15
S/. 42,568.58
34
31-Dec-15
S/. 41,234.14
35
30-Jan-16
S/. 39,887.04
36
29-Feb-16
S/. 38,527.16
37
30-Mar-16
S/. 37,154.38
38
29-Apr-16
S/. 35,768.57
39
29-May-16
S/. 34,369.61
40
28-Jun-16
S/. 32,957.37
41
28-Jul-16
S/. 31,531.74
42
27-Aug-16
S/. 30,092.57
43
26-Sep-16
S/. 28,639.76

44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

26-Oct-16

S/. 27,173.15

25-Nov-16

S/. 25,692.63

25-Dec-16

S/. 24,198.06

24-Jan-17

S/. 22,689.31

23-Feb-17

S/. 21,166.25

25-Mar-17

S/. 19,628.73

24-Apr-17

S/. 18,076.62

24-May-17

S/. 16,509.78

23-Jun-17

S/. 14,928.08

23-Jul-17

S/. 13,331.37

22-Aug-17

S/. 11,719.51

21-Sep-17

S/. 10,092.35

21-Oct-17

S/. 8,449.76

20-Nov-17

S/. 6,791.57

20-Dec-17

S/. 5,117.66

19-Jan-18

S/. 3,427.86

18-Feb-18

S/. 1,722.02
S/. 24,301.64

de la deuda
Intereses

Cuota

S. Final

S/. 0.00

Amortiz.
S/. 1,738.36

S/. 1,738.36

S/. 78,261.64

S/. 742.61

S/. 995.75

S/. 1,738.36

S/. 77,265.89

S/. 733.16

S/. 1,005.20

S/. 1,738.36

S/. 76,260.69

S/. 723.62

S/. 1,014.74

S/. 1,738.36

S/. 75,245.95

S/. 713.99

S/. 1,024.37

S/. 1,738.36

S/. 74,221.58

S/. 704.27

S/. 1,034.09

S/. 1,738.36

S/. 73,187.49

S/. 694.46

S/. 1,043.90

S/. 1,738.36

S/. 72,143.59

S/. 684.56

S/. 1,053.81

S/. 1,738.36

S/. 71,089.79

S/. 674.56

S/. 1,063.80

S/. 1,738.36

S/. 70,025.98

S/. 664.46

S/. 1,073.90

S/. 1,738.36

S/. 68,952.08

S/. 654.27

S/. 1,084.09

S/. 1,738.36

S/. 67,868.00

S/. 643.99

S/. 1,094.38

S/. 1,738.36

S/. 66,773.62

S/. 633.60

S/. 1,104.76

S/. 1,738.36

S/. 65,668.86

S/. 623.12

S/. 1,115.24

S/. 1,738.36

S/. 64,553.62

S/. 612.54

S/. 1,125.82

S/. 1,738.36

S/. 63,427.79

S/. 601.85

S/. 1,136.51

S/. 1,738.36

S/. 62,291.29

S/. 591.07

S/. 1,147.29

S/. 1,738.36

S/. 61,143.99

S/. 580.18

S/. 1,158.18

S/. 1,738.36

S/. 59,985.82

S/. 569.19

S/. 1,169.17

S/. 1,738.36

S/. 58,816.65

S/. 558.10

S/. 1,180.26

S/. 1,738.36

S/. 57,636.39

S/. 546.90

S/. 1,191.46

S/. 1,738.36

S/. 56,444.93

S/. 535.59

S/. 1,202.77

S/. 1,738.36

S/. 55,242.16

S/. 524.18

S/. 1,214.18

S/. 1,738.36

S/. 54,027.98

S/. 512.66

S/. 1,225.70

S/. 1,738.36

S/. 52,802.28

S/. 501.03

S/. 1,237.33

S/. 1,738.36

S/. 51,564.95

S/. 489.29

S/. 1,249.07

S/. 1,738.36

S/. 50,315.88

S/. 477.44

S/. 1,260.92

S/. 1,738.36

S/. 49,054.95

S/. 465.47

S/. 1,272.89

S/. 1,738.36

S/. 47,782.06

S/. 453.39

S/. 1,284.97

S/. 1,738.36

S/. 46,497.10

S/. 441.20

S/. 1,297.16

S/. 1,738.36

S/. 45,199.94

S/. 428.89

S/. 1,309.47

S/. 1,738.36

S/. 43,890.47

S/. 416.47

S/. 1,321.89

S/. 1,738.36

S/. 42,568.58

S/. 403.92

S/. 1,334.44

S/. 1,738.36

S/. 41,234.14

S/. 391.26

S/. 1,347.10

S/. 1,738.36

S/. 39,887.04

S/. 378.48

S/. 1,359.88

S/. 1,738.36

S/. 38,527.16

S/. 365.58

S/. 1,372.78

S/. 1,738.36

S/. 37,154.38

S/. 352.55

S/. 1,385.81

S/. 1,738.36

S/. 35,768.57

S/. 339.40

S/. 1,398.96

S/. 1,738.36

S/. 34,369.61

S/. 326.13

S/. 1,412.23

S/. 1,738.36

S/. 32,957.37

S/. 312.73

S/. 1,425.64

S/. 1,738.36

S/. 31,531.74

S/. 299.20

S/. 1,439.16

S/. 1,738.36

S/. 30,092.57

S/. 285.54

S/. 1,452.82

S/. 1,738.36

S/. 28,639.76

S/. 271.76

S/. 1,466.60

S/. 1,738.36

S/. 27,173.15

S/. 257.84

S/. 1,480.52

S/. 1,738.36

S/. 25,692.63

S/. 243.79

S/. 1,494.57

S/. 1,738.36

S/. 24,198.06

S/. 229.61

S/. 1,508.75

S/. 1,738.36

S/. 22,689.31

S/. 215.29

S/. 1,523.07

S/. 1,738.36

S/. 21,166.25

S/. 200.84

S/. 1,537.52

S/. 1,738.36

S/. 19,628.73

S/. 186.25

S/. 1,552.11

S/. 1,738.36

S/. 18,076.62

S/. 171.53

S/. 1,566.84

S/. 1,738.36

S/. 16,509.78

S/. 156.66

S/. 1,581.70

S/. 1,738.36

S/. 14,928.08

S/. 141.65

S/. 1,596.71

S/. 1,738.36

S/. 13,331.37

S/. 126.50

S/. 1,611.86

S/. 1,738.36

S/. 11,719.51

S/. 111.20

S/. 1,627.16

S/. 1,738.36

S/. 10,092.35

S/. 95.76

S/. 1,642.60

S/. 1,738.36

S/. 8,449.76

S/. 80.18

S/. 1,658.18

S/. 1,738.36

S/. 6,791.57

S/. 64.44

S/. 1,673.92

S/. 1,738.36

S/. 5,117.66

S/. 48.56

S/. 1,689.80

S/. 1,738.36

S/. 3,427.86

S/. 32.53

S/. 1,705.83

S/. 1,738.36

S/. 1,722.02

S/. 16.34

S/. 1,722.02

S/. 1,738.36

S/. 0.00

S/. 24,301.64

S/. 80,000.00