Con los siguientes datos determinar la tasa de costo efectivo anual (TCEA), sabiendo que las cuotas son

constantes.

DATOS CALCULOS
Tipo de Credito al de Trabajo TEM 2.53%
Monto S/10,000.00 Cuota mensu S/1,256.49
Plazo (meses) 9
TEA 35%
% Seguro Mensual 0.075%
Comision (% Prestamo) 1%
Forma de pago Mensual

Nper Cuota Amortizaci Cargo Total a

Deuda Inc. Cuotas Interes Comisión
Mensual ón Mensual Pagar

0 S/10,000.00 S/100.00 S/100.00

1 S/10,000.00 S/1,256.49 S/253.24 S/1,003.25 S/7.50 S/1,263.99
2 S/8,996.75 S/1,256.49 S/227.83 S/1,028.65 S/7.50 S/1,263.99
3 S/7,968.10 S/1,256.49 S/201.78 S/1,054.70 S/7.50 S/1,263.99
4 S/6,913.40 S/1,256.49 S/175.08 S/1,081.41 S/7.50 S/1,263.99
5 S/5,831.98 S/1,256.49 S/147.69 S/1,108.80 S/7.50 S/1,263.99
6 S/4,723.19 S/1,256.49 S/119.61 S/1,136.88 S/7.50 S/1,263.99
7 S/3,586.31 S/1,256.49 S/90.82 S/1,165.67 S/7.50 S/1,263.99
8 S/2,420.64 S/1,256.49 S/61.30 S/1,195.19 S/7.50 S/1,263.99
9 S/1,225.45 S/1,256.49 S/31.03 S/1,225.45 S/7.50 S/1,263.99
S/10,000.00
cuotas son constantes.

Saldo de Monto Final

Deuda (Flujo Neto)

S/10,000.00 9,900
S/8,996.75 -1,263.99
S/7,968.10 -1,263.99
S/6,913.40 -1,263.99
S/5,831.98 -1,263.99
S/4,723.19 -1,263.99
S/3,586.31 -1,263.99
S/2,420.64 -1,263.99
S/1,225.45 -1,263.99
S/0.00 -1,263.99

TCEM 2.87% 2.87%

TCEA 40.48% TCEA =TEA+GASTOS +COMISIONES 40.48

Tipo de Credito al de Trabajo CALCULOS
% de cuota inicial 20% cunto inicial $ 4,000.00
Monto $20,000.00 TEM 1.32%
Plazo (meses) 36 Cuota mensu S/701.12
TEA 16.99% 160000
% Seguro vida 0.51% 16.94.80
% de seguro de vida 6%
importe $ 4.00
Forma de pago Mensual

Nper Cuota Amortizaci Cargo

Deuda Inc. Cuotas Interes Comisión
Mensual ón Mensual

0 S/20,000.00 S/100.00
1 ### S/13,284.31 S/1,423.32 S/11,860.99 S/4.00
2 ### S/13,284.31 S/1,310.77 S/11,973.54 S/5.00
3 ### S/13,284.31 S/1,197.16 S/12,087.15 S/5.00
4 ### S/13,284.31 S/1,082.47 S/12,201.84 S/5.00
5 ### S/13,284.31 S/966.68 S/12,317.63 S/5.00
6 S/89,558.85 S/13,284.31 S/849.81 S/12,434.50 S/5.00
7 S/77,124.34 S/13,284.31 S/731.82 S/12,552.49 S/5.00
8 S/64,571.85 S/13,284.31 S/612.71 S/12,671.60 S/5.00
9 S/51,900.25 S/13,284.31 S/492.47 S/12,791.84 S/5.00
10 S/39,108.41 S/13,284.31 S/371.09 S/12,913.22 S/5.00
11 S/26,195.19 S/13,284.31 S/248.56 S/13,035.75 S/5.00
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13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
TOTAL S/9,411.72 ### S/100.00 S/60.00
 535.54

Total a Saldo de Monto Final

Pagar Deuda (Flujo Neto)

S/100.00 ### ###

S/13,289.31 ### ###
S/13,289.31 ### ###
S/13,289.31 ### ###
S/13,289.31 ### ###
S/13,289.31 S/89,558.85 ###
S/13,289.31 S/77,124.34 ###
S/13,289.31 S/64,571.85 ###
S/13,289.31 S/51,900.25 ###
S/13,289.31 S/39,108.41 ###
S/13,289.31 S/26,195.19 ###
S/13,289.31 S/13,159.44 ###
###