SUPER AVANCE (Lnea Paralela)

1. Fecha de pago: 20 de cada mes

2. Capital de Super Avance:
2,000.00
3. Fecha de retiro: 04/05/07
4. Nro de cuotas: 06 cuotas
5. TEA (Tasa Efectiva Anual) =
44.76%
6. TED (Tasa Efectiva Diaria) = (1+%)^(1/360)-1 =
0.1028048%
7. Comisin por uso de cajero corresponsal: 3.5% del Capital = 3.5% x 1,500 = S/. 52.50

44
30
31
31
30
31

Fecha de Retiro Fecha de Cuota

5/7/2015
6/20/2015
5/7/2015
7/20/2015
5/7/2015
8/20/2015
5/7/2015
9/20/2015
5/7/2015
10/20/2015
5/7/2015
11/20/2015

N de Dias
44
74
105
136
166
197

Suma de Factores

Valor cuota = (Retiro) / (Suma de factores de actualizacin)

Valor cuota =
2,000.00 5.3098234
376.66
Comision por Cajero =
3.50%
70.00
Seguro de Desgravamen =
0.11%
2.20
Envio de Cuenta =
-

339.26
2,339.26
389.875949064

376.66
2,259.96

259.96

2,332.16

332.16

CRONOGRAMA DE PAGOS :
Mes
0
1
2
3
4
5
6

Vencimiento
6/20/2015
7/20/2015
8/20/2015
9/20/2015
10/20/2015
11/20/2015

Capital

Interes

Cuota

284.16
322.95
331.58
342.31
354.15
364.85

92.50
53.72
45.08
34.35
22.51
11.81

376.66
376.66
376.66
376.66
376.66
376.66

2,000.00

259.96

2,259.96

Comision

Desgravamen

Envio Cuenta

2.20
1.89
1.53
1.17
0.79
0.40

70.00

7.98

Disponible
2,000.00

Colchon
Cocina
Saldo

Efectivo

100.00
1,900.00
1,020.00

448.86
378.55
378.19
377.83
377.45
377.06
2,337.94

259.96
77.98

Prestamo

Cuota Total

337.94

Tarjeta

438.69
-

Pago
Pago
Pago
Pago
Pago
Pago

6/20/2015
7/20/2015
8/20/2015
9/20/2015
10/20/2015
11/20/2015

887.55
378.55
378.19
377.83
377.45
377.06

Saldo
2,000.00
1,715.84
1,392.89
1,061.31
719.00
364.85
-

Factor Actualizacion

0.9557959
0.9267824
0.8977267
0.8695820
0.8431856
0.8167507
5.3098234

SUPER AVANCE (Lnea Paralela)

1. Fecha de pago: 20 de cada mes
2. Capital de Super Avance:
4,000.00
3. Fecha de retiro: 04/05/07
4. Nro de cuotas: 06 cuotas
5. TEA (Tasa Efectiva Anual) =
36.50%
6. TED (Tasa Efectiva Diaria) = (1+79.40%)^(1/360)-1 =
0.08646915%
7. Comisin por uso de cajero corresponsal: 3.5% del Capital = 3.5% x 1,500 = S/. 52.50

13
31
30
31
31
30
31
30
31
31
29
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
28
31

Fecha de Retiro Fecha de Cuota N de Dias

Factor Actualizacion
5/7/2015
5/20/2015
13
0.9888268
5/7/2015
6/20/2015
44
0.9626841
5/7/2015
7/20/2015
74
0.9380430
5/7/2015
8/20/2015
105
0.9132429
5/7/2015
9/20/2015
136
0.8890985
5/7/2015
10/20/2015
166
0.8663409
5/7/2015
11/20/2015
197
0.8434365
5/7/2015
12/20/2015
227
0.8218477
5/7/2015
1/20/2016
258
0.8001196
5/7/2015
2/20/2016
289
0.7789660
5/7/2015
3/20/2016
318
0.7596837
5/7/2015
4/20/2016
349
0.7395991
5/7/2015
5/20/2016
379
0.7206682
5/7/2015
6/20/2016
410
0.7016151
5/7/2015
7/20/2016
440
0.6836564
5/7/2015
8/20/2016
471
0.6655818
5/7/2015
9/20/2016
502
0.6479851
5/7/2015
10/20/2016
532
0.6313991
5/7/2015
11/20/2016
563
0.6147061
5/7/2015
12/20/2016
593
0.5989720
5/7/2015
1/20/2017
624
0.5831363
5/7/2015
2/20/2017
655
0.5677193
5/7/2015
3/20/2017
683
0.5541449
5/7/2015
4/20/2017
714
0.5394944
5/7/2015
5/20/2017
744
0.5256853
5/7/2015
6/20/2017
775
0.5117872
5/7/2015
7/20/2017
805
0.4986874
5/7/2015
8/20/2017
836
0.4855030
5/7/2015
9/20/2017
867
0.4726673
5/7/2015
10/20/2017
897
0.4605688
5/7/2015
11/20/2017
928
0.4483922
5/7/2015
12/20/2017
958
0.4369150
5/7/2015
1/20/2018
989
0.4253638
5/7/2015
2/20/2018
1020
0.4141180
5/7/2015
3/20/2018
1048
0.4042163
5/7/2015
4/20/2018
1079
0.3935296
Suma de Factores
23.2884016
1000
1500
2000
2500
3000
3500
4000

Valor cuota = (Retiro) / (Suma de factores de actualizacin)

Valor cuota =
4,000.00 23.2884016
171.76
Comision por Cajero =
3.50%
140.00
Seguro de Desgravamen =
0.11%
4.40
Envio de Cuenta =
-

156.29
295.66
394.20
492.77
591.32
689.88
788.43

CRONOGRAMA DE PAGOS :
Mes
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Vencimiento
5/20/2015
6/20/2015
7/20/2015
8/20/2015
9/20/2015
10/20/2015
11/20/2015
12/20/2015
1/20/2016
2/20/2016
3/20/2016
4/20/2016
5/20/2016
6/20/2016
7/20/2016
8/20/2016
9/20/2016
10/20/2016
11/20/2016
12/20/2016
1/20/2017
2/20/2017
3/20/2017
4/20/2017
5/20/2017
6/20/2017
7/20/2017
8/20/2017
9/20/2017
10/20/2017
11/20/2017
12/20/2017
1/20/2018
2/20/2018
3/20/2018
4/20/2018

Capital

Interes

Cuota

126.56
66.57
71.76
70.33
72.24
77.39
76.30
81.43
80.58
82.77
90.69
87.48
92.54
92.37
97.39
97.53
100.17
105.14
105.75
110.68
111.63
114.66
123.06
121.11
125.95
127.82
132.62
134.90
138.56
143.28
146.21
150.89
154.28
158.47
163.65
167.22

45.20
105.19
100.00
101.43
99.52
94.37
95.46
90.33
91.17
88.99
81.07
84.28
79.22
79.39
74.37
74.23
71.59
66.61
66.01
61.07
60.13
57.10
48.70
50.65
45.81
43.94
39.14
36.86
33.20
28.48
25.55
20.87
17.48
13.29
8.11
4.54

171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76
171.76

4,000.00

2,183.34

6,183.34

Comision

Desgravamen Envio Cuenta

140.00

4.40
4.26
4.19
4.11
4.03
3.95
3.87
3.78
3.69
3.60
3.51
3.41
3.32
3.22
3.11
3.01
2.90
2.79
2.67
2.56
2.44
2.31
2.19
2.05
1.92
1.78
1.64
1.49
1.34
1.19
1.03
0.87
0.71
0.54
0.36
0.18

197.11

4,000.00
1,000.00

Saldo

3,000.00

83.33

Tarjeta

400.00

11.11

Pagar

182.87

Falta

99.54

Falta Total
Por Pagar

3,583.34
2,183.34
Con Tarjeta

Mes 1

2,183.34
Sin Tarjeta

Saldo
4,000.00
3,873.44
3,806.87
3,735.11
3,664.78
3,592.54
3,515.15
3,438.85
3,357.43
3,276.84
3,194.07
3,103.38
3,015.90
2,923.36
2,830.99
2,733.60
2,636.07
2,535.90
2,430.75
2,325.00
2,214.32
2,102.69
1,988.03
1,864.97
1,743.86
1,617.91
1,490.08
1,357.46
1,222.57
1,084.01
940.73
794.51
643.62
489.34
330.87
167.22
-0.00

2,415.78
232.45

Cocina

316.16
176.02
175.95
175.87
175.79
175.71
175.63
175.54
175.45
175.36
175.27
175.17
175.08
174.98
174.87
174.77
174.66
174.55
174.43
174.32
174.20
174.07
173.95
173.81
173.68
173.54
173.40
173.25
173.10
172.95
172.79
172.63
172.47
172.30
172.12
171.94
6,415.78

2,183.34

Prestamo

Cuota Total

90.00

92.45

Mes 2
90.00

Mes 3

Mes 4

90.00

90.00

con tarjeta
79.48

sin tarjeta
112.81

3,000.00
835.03

2,600.00
768.36

Mes 5
90.00

Mes 6

Total
90.00

450.00