Sei sulla pagina 1di 6

El cliente desea adquirir un activo valorizado 125000 soles.

El dia de hoy obtiene un p


un tiempo 5 años las cuales la entidad le cobrará el 29.99% efectivo anual.

Valor del activo 125,000.00


prestamo 100,000.00
% financiamiento 80%
plazo 60
TEA 29.99%
Tasa de seguro desgravamen 0.0375%
TEM 2.21%
TCEM 2.2473%
TCEA 30.56%
Comisiones 25.00

Periodo Saldo inicial Intereses amortización Cuota


0 100,000.00
1 100,000.00 2,209.79 814.97 S/.3,024.76
2 99,185.03 2,191.78 832.98 S/.3,024.76
3 98,352.05 2,173.37 851.39 S/.3,024.76
4 97,500.67 2,154.56 870.20 S/.3,024.76
5 96,630.47 2,135.33 889.43 S/.3,024.76
6 95,741.04 2,115.68 909.08 S/.3,024.76
7 94,831.96 2,095.59 929.17 S/.3,024.76
8 93,902.79 2,075.05 949.70 S/.3,024.76
9 92,953.08 2,054.07 970.69 S/.3,024.76
10 91,982.39 2,032.62 992.14 S/.3,024.76
11 90,990.25 2,010.69 1,014.07 S/.3,024.76
12 89,976.18 1,988.28 1,036.47 S/.3,024.76
13 88,939.71 1,965.38 1,059.38 S/.3,024.76
14 87,880.33 1,941.97 1,082.79 S/.3,024.76
15 86,797.54 1,918.04 1,106.72 S/.3,024.76
16 85,690.83 1,893.59 1,131.17 S/.3,024.76
17 84,559.66 1,868.59 1,156.17 S/.3,024.76
18 83,403.49 1,843.04 1,181.72 S/.3,024.76
19 82,221.77 1,816.93 1,207.83 S/.3,024.76
20 81,013.94 1,790.24 1,234.52 S/.3,024.76
21 79,779.42 1,762.96 1,261.80 S/.3,024.76
22 78,517.62 1,735.07 1,289.68 S/.3,024.76
23 77,227.94 1,706.58 1,318.18 S/.3,024.76
24 75,909.75 1,677.45 1,347.31 S/.3,024.76
25 74,562.44 1,647.67 1,377.09 S/.3,024.76
26 73,185.35 1,617.24 1,407.52 S/.3,024.76
27 71,777.84 1,586.14 1,438.62 S/.3,024.76
28 70,339.22 1,554.35 1,470.41 S/.3,024.76
29 68,868.81 1,521.86 1,502.90 S/.3,024.76
30 67,365.91 1,488.64 1,536.11 S/.3,024.76
31 65,829.79 1,454.70 1,570.06 S/.3,024.76
32 64,259.73 1,420.01 1,604.75 S/.3,024.76
33 62,654.98 1,384.54 1,640.22 S/.3,024.76
34 61,014.76 1,348.30 1,676.46 S/.3,024.76
35 59,338.30 1,311.25 1,713.51 S/.3,024.76
36 57,624.80 1,273.39 1,751.37 S/.3,024.76
37 55,873.42 1,234.69 1,790.07 S/.3,024.76
38 54,083.35 1,195.13 1,829.63 S/.3,024.76
39 52,253.72 1,154.70 1,870.06 S/.3,024.76
40 50,383.66 1,113.37 1,911.39 S/.3,024.76
41 48,472.27 1,071.14 1,953.62 S/.3,024.76
42 46,518.65 1,027.96 1,996.79 S/.3,024.76
43 44,521.86 983.84 2,040.92 S/.3,024.76
44 42,480.94 938.74 2,086.02 S/.3,024.76
45 40,394.92 892.64 2,132.12 S/.3,024.76
46 38,262.80 845.53 2,179.23 S/.3,024.76
47 36,083.57 797.37 2,227.39 S/.3,024.76
48 33,856.18 748.15 2,276.61 S/.3,024.76
49 31,579.58 697.84 2,326.92 S/.3,024.76
50 29,252.66 646.42 2,378.34 S/.3,024.76
51 26,874.32 593.87 2,430.89 S/.3,024.76
52 24,443.43 540.15 2,484.61 S/.3,024.76
53 21,958.82 485.24 2,539.51 S/.3,024.76
54 19,419.30 429.13 2,595.63 S/.3,024.76
55 16,823.67 371.77 2,652.99 S/.3,024.76
56 14,170.68 313.14 2,711.62 S/.3,024.76
57 11,459.06 253.22 2,771.54 S/.3,024.76
58 8,687.53 191.98 2,832.78 S/.3,024.76
59 5,854.74 129.38 2,895.38 S/.3,024.76
60 2,959.36 65.40 2,959.36 S/.3,024.76
81,485.52 100,000.00 181,485.52
es. El dia de hoy obtiene un prestamo de una entidad financiera por el 80% (del valor del activo)
% efectivo anual.

Saldo final Seg. Desgrav Comisión Cuota a pagar


100,000.00
99,185.03 37.50 25.00 3,087.26 3,072.81
98,352.05 37.19 25.00 3,086.95 3,072.81
97,500.67 36.88 25.00 3,086.64 3,072.81
96,630.47 36.56 25.00 3,086.32 3,072.81
95,741.04 36.24 25.00 3,086.00 3,072.81
94,831.96 35.90 25.00 3,085.66 3,072.81
93,902.79 35.56 25.00 3,085.32 3,072.81
92,953.08 35.21 25.00 3,084.97 3,072.81
91,982.39 34.86 25.00 3,084.62 3,072.81
90,990.25 34.49 25.00 3,084.25 3,072.81
89,976.18 34.12 25.00 3,083.88 3,072.81
88,939.71 33.74 25.00 3,083.50 3,072.81
87,880.33 33.35 25.00 3,083.11 3,072.81
86,797.54 32.96 25.00 3,082.71 3,072.81
85,690.83 32.55 25.00 3,082.31 3,072.81
84,559.66 32.13 25.00 3,081.89 3,072.81
83,403.49 31.71 25.00 3,081.47 3,072.81
82,221.77 31.28 25.00 3,081.04 3,072.81
81,013.94 30.83 25.00 3,080.59 3,072.81
79,779.42 30.38 25.00 3,080.14 3,072.81
78,517.62 29.92 25.00 3,079.68 3,072.81
77,227.94 29.44 25.00 3,079.20 3,072.81
75,909.75 28.96 25.00 3,078.72 3,072.81
74,562.44 28.47 25.00 3,078.22 3,072.81
73,185.35 27.96 25.00 3,077.72 3,072.81
71,777.84 27.44 25.00 3,077.20 3,072.81
70,339.22 26.92 25.00 3,076.68 3,072.81
68,868.81 26.38 25.00 3,076.14 3,072.81
67,365.91 25.83 25.00 3,075.58 3,072.81
65,829.79 25.26 25.00 3,075.02 3,072.81
64,259.73 24.69 25.00 3,074.44 3,072.81
62,654.98 24.10 25.00 3,073.86 3,072.81
61,014.76 23.50 25.00 3,073.25 3,072.81
59,338.30 22.88 25.00 3,072.64 3,072.81
57,624.80 22.25 25.00 3,072.01 3,072.81
55,873.42 21.61 25.00 3,071.37 3,072.81
54,083.35 20.95 25.00 3,070.71 3,072.81
52,253.72 20.28 25.00 3,070.04 3,072.81
50,383.66 19.60 25.00 3,069.35 3,072.81
48,472.27 18.89 25.00 3,068.65 3,072.81
46,518.65 18.18 25.00 3,067.94 3,072.81
44,521.86 17.44 25.00 3,067.20 3,072.81
42,480.94 16.70 25.00 3,066.45 3,072.81
40,394.92 15.93 25.00 3,065.69 3,072.81
38,262.80 15.15 25.00 3,064.91 3,072.81
36,083.57 14.35 25.00 3,064.11 3,072.81
33,856.18 13.53 25.00 3,063.29 3,072.81
31,579.58 12.70 25.00 3,062.45 3,072.81
29,252.66 11.84 25.00 3,061.60 3,072.81
26,874.32 10.97 25.00 3,060.73 3,072.81
24,443.43 10.08 25.00 3,059.84 3,072.81
21,958.82 9.17 25.00 3,058.92 3,072.81
19,419.30 8.23 25.00 3,057.99 3,072.81
16,823.67 7.28 25.00 3,057.04 3,072.81
14,170.68 6.31 25.00 3,056.07 3,072.81
11,459.06 5.31 25.00 3,055.07 3,072.81
8,687.53 4.30 25.00 3,054.06 3,072.81
5,854.74 3.26 25.00 3,053.02 3,072.81
2,959.36 2.20 25.00 3,051.95 3,072.81
0.00 1.11 25.00 3,050.87 3,072.81
1,382.80 1,500.00 184,368.33 184,368.33

184,368.33
l valor del activo) por
Operatividad de un repo interbancario con CD-BCRP

FASE FRONTOFFICE
Fecha de inicio del Repo 9/14/2021
Plazo del repo 1
Fecha de vencimiento del Repo 9/15/2021
Tasa Repo 1.5000%
Monto pactado por Datatec 25,000,000.00
GARANTIA
Papel CD-BCRP
Plazo residual del papel 100
Vencimiento del papel 12/23/2021
Nemónico CD23DIC21
FASE BACKOFFICE
Precio del papel 99.5215%
Haircut 2%
Tasa de papel 1.7417%
Nominal de garantia 25,120,000.00