PRECIO CONTADO

CUOTAS

TASA

-1000
300
300
300
300
7.71% TEM

NOTA

SIN CUOTA INICIAL

BANCO INTERBANK
SIMULADOR DE COSTO DEL CREDITO

BANCO financiero
SITUACION INICIAL

DATOS
PRINCIPAL(VA)
PAGO(MENSUAL)
NPER(MENSUAL)
TEM
TEA

DATOS
PRINCIPAL(VA)
PAGO(MENSUAL)
NPER(MENSUAL)
TEM
TEA

INCORPORO SEGURO
Y PORTES
SEGURO
PORTES
OTROS
PAGO
TCEM
TCEA

1900
150
18
3.99% TASA(C19,C18,C17)
59.97% (1+C20)^(12)-1

2.00
7.50
5.00
164.50
5.15%
82.77%

INCORPORO SEGURO Y
PORTES
SEGURO
PORTES
PAGO
TCEM
TCEA

2
1
1

se obtine un prestamo de 10000 soles a una tasa del 21% anual, el cual se va a cancelar durante 4 m
conocer la cuota a pagar, los intereses y la amortizacion por periodo, as mismo calclular el ahorro s
amortizar con 2000 soles uan vez cancelada la segunda cuota. Sugerencia Realizar un cuadro de am

SOLUCION
SALDO INICIAL
prestamo
tasa
periodos
PAGO

-10000
0.01601187
4
S/. 2,600.87

PERIODOS
0
1
2
3
4
TOTALES

S/. 10,000.00

S/. 10,000.00

SALDO INICIAL
prestamo
tasa
periodos
PAGO
AMORTIZA

-10000
0.01601187
4
S/. 2,600.87
2000

PERIODOS
0
1
2
3
4
TOTALES

AHORRO

AMORTIZACION

S/. 2,440.75
S/. 2,479.83
S/. 2,519.54
S/. 2,559.88
S/. 10,000.00

AMORTIZACION

S/. 10,000.00

S/. 10,000.00

S/. 48.16

S/. 2,440.75
S/. 2,479.83
S/. 1,527.48
S/. 1,551.94
S/. 8,000.00

nual, el cual se va a cancelar durante 4 meses. Se requiere

r periodo, as mismo calclular el ahorro si el cliente decide
ta. Sugerencia Realizar un cuadro de amortizacin

INTERESES

CUOTA

S/. 160.12
S/. 121.04
S/. 81.33
S/. 40.99
S/. 403.48

S/. 2,600.87
S/. 2,600.87
S/. 2,600.87
S/. 2,600.87
S/. 10,403.48

INTERESES

CUOTA

S/. 160.12
S/. 121.04
S/. 49.31
S/. 24.85
S/. 355.31

S/. 2,600.87
S/. 2,600.87
S/. 1,576.79
S/. 1,576.79
S/. 8,355.31

SALDO CAPITAL
O SALDO
DEUDOR
S/. 7,559.25
S/. 5,079.42
S/. 2,559.88
S/. 0.00

SALDO CAPITAL
O SALDO
DEUDOR
S/. 7,559.25
S/. 3,079.42
S/. 1,551.94
S/. 0.00

2000

PERIODO

SALDO
INICIAL

EJEMPLO N 1
PRODUCTO: Una refrigeradora No frost.
Precio al contado
1,909.00
cuota inicial
381.80
Precio neto
1,527.20
DATOS
Principal (VA)
N periodos
TEA
TEM
cuota

-1,527.20
21
100%
0.0595
S/.129.23

INCORPORO SEGURO Y PORTES

SEGURO
13.43
PORTES
9.80
OTROS
3.82
PAGO
156.28
TCEM
0.08325
TCEA
1.6105

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
TOTAL

1,527.20

EJEMPLO N 2
PERIODO
PRODUCTO: Juego de comedor
Precio al contado
568.00
cuota inicial
85.20
Precio neto
482.80
DATOS
Principal (VA)
N periodos
TEA
TEM
Pago (cuotas)

-482.80
18
100%
0.0595
S/.44.41

INCORPORO SEGURO Y PORTES

0
1
2
3
4
5
6
7
8
9
10
11

SALDO
INICIAL
482.80

SEGURO
PORTES
OTROS
PAGO
TCEM
TCEA

3.59
3.10
3.80
54.90
0.08934
1.7924

12
13
14
15
16
17
18
TOTAL

EJEMPLO N 3
PERIODO
PRODUCTO: COMODA
Precio al contado
1,500.00
cuota inicial
150.00
Precio neto
1,350.00
DATOS
Principal (VA)
N periodos
TEA
TEM
Pago (cuotas)

-1,350.00
18
45%
0.0314
S/.99.36

INCORPORO SEGURO Y PORTES

SEGURO
5.59
PORTES
4.10
OTROS
3.50
PAGO
112.55
TCEM
0.04673
TCEA
0.7298

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
TOTAL

SALDO
INICIAL
1,350.00

AMORTIZAC
ION

29.15
31.58
34.21
37.05
40.14
43.48
47.10
51.02
55.27
59.87
64.85
70.25
76.10
82.43
89.29
96.73
104.78
113.50
122.95
133.19
144.27

INTERESES

CUOTA

SALDO
CAPITAL O
SALDO
DEUDOR

127.13
124.71
122.08
119.23
116.15
112.80
109.18
105.26
101.02
96.42
91.43
86.03
80.19
73.85
66.99
59.56
51.50
42.78
33.33
23.10
12.01
S/. 1,754.75

156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28
156.28

1,498.05
1,466.47
1,432.27
1,395.21
1,355.08
1,311.60
1,264.50
1,213.48
1,158.21
1,098.34
1,033.49
963.24
887.15
804.71
715.42
618.69
513.91
400.41
277.46
144.27
0.00

AMORTIZACI
ON

INTERESES

CUOTA

SALDO
CAPITAL O
SALDO
DEUDOR

11.77
12.82
13.96
15.21
16.57
18.05
19.66
21.42
23.33
25.42
27.69

43.13
42.08
40.94
39.69
38.33
36.85
35.24
33.48
31.57
29.48
27.21

54.90
54.90
54.90
54.90
54.90
54.90
54.90
54.90
54.90
54.90
54.90

471.03
458.22
444.26
429.05
412.48
394.43
374.77
353.35
330.02
304.61
276.92

30.16
32.85
35.79
38.99
42.47
46.26
50.40

AMORTIZACI
ON

49.47
51.78
54.20
56.74
59.39
62.16
65.07
68.11
71.29
74.62
78.11
81.76
85.58
89.58
93.76
98.14
102.73
107.53

24.74
22.05
19.11
15.91
12.43
8.64
4.50
505.40

54.90
54.90
54.90
54.90
54.90
54.90
54.90

246.76
213.91
178.12
139.13
96.66
50.40
0.00

INTERESES

CUOTA

SALDO
CAPITAL O
SALDO
DEUDOR

63.08
60.77
58.35
55.82
53.17
50.39
47.49
44.45
41.26
37.93
34.45
30.80
26.98
22.98
18.79
14.41
9.82
5.02
675.94

112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55
112.55

1,300.53
1,248.74
1,194.54
1,137.81
1,078.42
1,016.26
951.19
883.08
811.79
737.17
659.07
577.31
491.73
402.16
308.40
210.26
107.53
0.00