CASO -01

Prstamo
Tasa anual
Cantidad de cuotas
(meses)
Vf
Tipo
CUOTA:
CASO -02
Ahorro Monto
Tasa anual
Aos
Pagos Mensuales

13000
10.50%
15
0
0
S/. 928.57

20,000
6.50%
10
S/. 227.10

CASO -03
Prstamo
Tasa anual
Calculo inters en cuota n
Cantidad de cuotas (meses)
Vf
Tipo
Inters
CASO -04
Prstamo
Tasa anual
Calculo inters en cuota n
Cantidad de cuotas (meses)
Vf
Tipo
Inters

13000
10.50%
1
15
0
0
S/. 113.75

13000
10.50%
15
15
0
0
S/. 8.05

CASO -05
Prstamo
Tasa anual
Calculo inters en cuota n
Cantidad de cuotas (meses)
Vf
Tipo
Inters

13000
10.50%
1
15
0
0
S/. 814.82

CASO -06
Prstamo
Tasa anual
Calculo inters en cuota n
Cantidad de cuotas (meses)
Vf
Tipo
Inters

13000
10.50%
15
15
0
0
S/. 920.51

CASO -07
Prstamo
Tasa anual
Cantidad de cuotas (meses)
Pago Cuota Nro.
Pago Cuota Nro.
Calculo inters en cuota n
Calculo inters en cuota n
Pago constante

13000
10.50%
15
1
15
1
15
S/. 928.57

S/. 814.82
S/. 920.51
S/. 113.75
S/. 8.05

CASO -03 - PAGO INTERESES

Prstamo
Tasa anual
Calculo inters en cuota n
Cantidad de cuotas (meses)

13000
10.50%
15

Vf
Tipo
Inters

15
0
0
S/. 8.05

CASO -06 - PAGO DE CAPITAL (AMORTIZACION)

Prstamo
Tasa anual

13000
10.50%

Calculo inters en cuota n

Cantidad de cuotas (meses)

15

Vf
Tipo
Inters

15
0
0
S/. 920.51

Pago Total

S/. 928.57

CASO -08
Prstamo
Tasa anual
Cantidad de cuotas (meses)

13,000.00
10.50%

Periodo inicial
Periodo final
Tipo
Amortizacin

15
3
9
0
-5,958.56

CASO -09
Prstamo
Tasa anual

13,000.00
10.50%

Cantidad de cuotas (meses)

Periodo inicial
Periodo final
Tipo
Amortizacin

15
1
1
0
-814.82

CASO -10
Prstamo
Tasa anual
Cantidad de cuotas (meses)
Periodo inicial
Periodo final
Tipo
Amortizacin
CASO -11
Prstamo
Tasa anual
Cantidad de cuotas (meses)
Periodo inicial
Periodo final
Tipo
Amortizacin

13,000.00
10.50%
15
3
9
0
-541.40

13,000.00
10.50%
15
1
1
0
-113.75

CASO -12
Prstamo
Tasa anual
Cantidad de cuotas (meses)
Periodicidad anual
Intereses Real

13,000.00
10.50%
15
12
11.02%

CASO -13
Prstamo
Inters efectivo
Cantidad de cuotas (meses)
Periodicidad anual
Tasa nominal

13,000.00
11.02%
15
12
10.50%

CRONOGRAMA DE PAGOS
MONTO

20000

TASA ANUAL

12.98%

Cuota

Fecha
1
2
3
4
5
6

TOTALES

TOTAL CUOTAS
FECHA CONTRATO
Saldo

3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011

Interes
20,000.00
16,755.67
13,476.26
10,161.36
6,810.62
3,423.63

Amortizacin
S/. 216.33
S/. 181.24
S/. 145.77
S/. 109.91
S/. 73.67
S/. 37.03
S/. 763.95

S/. 3,244.33
S/. 3,279.42
S/. 3,314.89
S/. 3,350.75
S/. 3,386.99
S/. 3,423.63
S/. 20,000.00

6
2/1/2011
Pagos

Comparar
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 3,460.66
S/. 20,763.95
S/. 20,763.95

CRONOGRAMA DE PAGOS
MONTO

3000

TASA ANUAL
Cuota

TOTALES

10.00%
Fecha

1
2
3
4
5
6
7
8
9
10
11
12

TOTAL CUOTAS

3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012

FECHA CONTRATO
Saldo
3,000.00
2,761.25
2,520.52
2,277.77
2,033.01
1,786.20
1,537.34
1,286.40
1,033.37
778.24
520.97
261.57

Interes
Amortizacin
S/. 25.00
S/. 23.01
S/. 21.00
S/. 18.98
S/. 16.94
S/. 14.88
S/. 12.81
S/. 10.72
S/. 8.61
S/. 6.49
S/. 4.34
S/. 2.18
S/. 164.97

S/. 238.75
S/. 240.74
S/. 242.74
S/. 244.77
S/. 246.81
S/. 248.86
S/. 250.94
S/. 253.03
S/. 255.14
S/. 257.26
S/. 259.41
S/. 261.57
S/. 3,000.00

12
2/1/2011
Pagos

Comparar
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 263.75
S/. 3,164.97
S/. 3,164.97

CRONOGRAMA DE PAGOS
MONTO

18000

TOTAL CUOTAS

TASA ANUAL

8.94%

FECHA CONTRATO

Cuota

Fecha
1
2
3
4
5
6
7
8
9
10
11
12

TOTALES

3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012

Saldo
18,000.00
16,560.47
15,110.22
13,649.17
12,177.23
10,694.32
9,200.37
7,695.29
6,178.99
4,651.40
3,112.43
1,561.99

Interes
Amortizacin
S/. 134.10
S/. 123.38
S/. 112.57
S/. 101.69
S/. 90.72
S/. 79.67
S/. 68.54
S/. 57.33
S/. 46.03
S/. 34.65
S/. 23.19
S/. 11.64
S/. 883.51

S/. 1,439.53
S/. 1,450.25
S/. 1,461.05
S/. 1,471.94
S/. 1,482.91
S/. 1,493.95
S/. 1,505.08
S/. 1,516.30
S/. 1,527.59
S/. 1,538.97
S/. 1,550.44
S/. 1,561.99
S/. 18,000.00

S
12
2/1/2011
Pagos

Comparar
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 18,883.51

S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 1,573.63
S/. 18,883.51

CRONOGRAMA DE PAGOS
MONTO

45000

TASA ANUAL
Cuota

TOTALES

14.00%
Fecha

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

TOTAL CUOTAS
FECHA CONTRATO
Saldo

3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012
7/1/2012
8/1/2012

Interes
45,000.00
42,738.82
40,451.25
38,137.00
35,795.75
33,427.19
31,030.99
28,606.83
26,154.40
23,673.35
21,163.35
18,624.08
16,055.17
13,456.30
10,827.11
8,167.24
5,444.95

Amortizacin
S/. 525.00
S/. 498.62
S/. 471.93
S/. 444.93
S/. 417.62
S/. 389.98
S/. 362.03
S/. 333.75
S/. 305.13
S/. 276.19
S/. 246.91
S/. 217.28
S/. 187.31
S/. 156.99
S/. 126.32
S/. 95.28
S/. 63.89
S/. 32.13
S/. 5,151.29

S/. 2,261.18
S/. 2,287.56
S/. 2,314.25
S/. 2,341.25
S/. 2,368.57
S/. 2,396.20
S/. 2,424.15
S/. 2,452.44
S/. 2,481.05
S/. 2,509.99
S/. 2,539.28
S/. 2,568.90
S/. 2,598.87
S/. 2,629.19
S/. 2,659.87
S/. 2,690.90
S/. 2,722.29
S/. 2,754.05
S/. 45,000.00

18
2/1/2011
Pagos

Comparar
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 2,786.18
S/. 50,151.29
S/. 50,151.29

CRONOGRAMA DE PAGOS
MONTO

9000

TASA ANUAL
Cuota

TOTALES

8.50%
Fecha

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

TOTAL CUOTAS
FECHA CONTRATO
Saldo

3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012

9,000.00
8,466.79
7,929.79
7,389.00
6,844.37
6,295.89
5,743.52
5,187.24
4,627.02
4,062.83
3,494.64
2,922.43
2,346.17
1,765.82
1,181.36

Interes
Amortizacin
S/. 63.75
S/. 59.97
S/. 56.17
S/. 52.34
S/. 48.48
S/. 44.60
S/. 40.68
S/. 36.74
S/. 32.77
S/. 28.78
S/. 24.75
S/. 20.70
S/. 16.62
S/. 12.51
S/. 8.37
S/. 4.20
S/. 551.43

S/. 533.21
S/. 536.99
S/. 540.80
S/. 544.63
S/. 548.48
S/. 552.37
S/. 556.28
S/. 560.22
S/. 564.19
S/. 568.19
S/. 572.21
S/. 576.26
S/. 580.35
S/. 584.46
S/. 588.60
S/. 592.77
S/. 9,000.00

16
2/1/2011
Pagos
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 9,551.43

Comparar
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 596.96
S/. 9,551.43

CRONOGRAMA DE PAGOS
MONTO

12500

TOTAL CUOTAS

TASA ANUAL

9.60%

FECHA CONTRATO

Cuota

Fecha
1
2
3
4
5
6
7
8

TOTALES

Saldo
3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011

12,500.00
10,980.73
9,449.30
7,905.62
6,349.59
4,781.12
3,200.09
1,606.42

Interes
Amortizacin
S/. 100.00
S/. 87.85
S/. 75.59
S/. 63.24
S/. 50.80
S/. 38.25
S/. 25.60
S/. 12.85
S/. 454.18

S/. 1,519.27
S/. 1,531.43
S/. 1,543.68
S/. 1,556.03
S/. 1,568.48
S/. 1,581.02
S/. 1,593.67
S/. 1,606.42
S/. 12,500.00

8
2/1/2011
Pagos
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 12,954.18

Comparar
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 1,619.27
S/. 12,954.18

CRONOGRAMA DE PAGOS
MONTO

3000

TASA ANUAL
Cuota

TOTALES

9.40%
Fecha

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

TOTAL CUOTAS
FECHA CONTRATO
Saldo

3/1/2011
4/1/2011
5/1/2011
6/1/2011
7/1/2011
8/1/2011
9/1/2011
10/1/2011
11/1/2011
12/1/2011
1/1/2012
2/1/2012
3/1/2012
4/1/2012
5/1/2012
6/1/2012

3,000.00
2,823.27
2,645.16
2,465.65
2,284.74
2,102.41
1,918.65
1,733.45
1,546.80
1,358.69
1,169.11
978.04
785.47
591.39
395.80

Interes
Amortizacin
S/. 23.50
S/. 22.12
S/. 20.72
S/. 19.31
S/. 17.90
S/. 16.47
S/. 15.03
S/. 13.58
S/. 12.12
S/. 10.64
S/. 9.16
S/. 7.66
S/. 6.15
S/. 4.63
S/. 3.10
S/. 1.56
S/. 203.65

S/. 176.73
S/. 178.11
S/. 179.51
S/. 180.91
S/. 182.33
S/. 183.76
S/. 185.20
S/. 186.65
S/. 188.11
S/. 189.58
S/. 191.07
S/. 192.57
S/. 194.08
S/. 195.60
S/. 197.13
S/. 198.67
S/. 3,000.00

16
2/1/2011
Pagos
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 3,203.65

Comparar
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 200.23
S/. 3,203.65

CRONOGRAMA DE PAGOS
MONTO

12000

TASA ANUAL
Cuota

TOTALES

TOTAL CUOTAS

11.00%
Fecha

FECHA CONTRATO
Saldo

Interes

Amortizacin

24
2/1/2011
Pagos

Comparar

CRONOGRAMA DE PAGOS
MONTO

2000

TASA ANUAL
Cuota

TOTALES

TOTAL CUOTAS

8.30%
Fecha

FECHA CONTRATO
Saldo

Interes

Amortizacin

6
2/1/2011
Pagos

Comparar

CRONOGRAMA DE PAGOS
MONTO

14000

TASA ANUAL
Cuota

TOTALES

TOTAL CUOTAS

12.30%
Fecha

FECHA CONTRATO
Saldo

Interes

Amortizacin

18
2/1/2011
Pagos

Comparar

CONTROL DE CRONOGRAMA DE PAGOS

CASOS

INTERESES
PAGADOS
TOTALMENTE

PAGO TOTAL

INTERES
EFECTIVO

CASO-1
CASO-2
CASO-3
CASO-4
CASO-5
CASO-6
CASO-7
CASO-8
CASO-9
CASO-10

CASOS
CASO-1
CASO-2
CASO-3
CASO-4
CASO-5
CASO-6
CASO-7
CASO-8
CASO-9
CASO-10

MONTO

TABLA DE REFERENCIA
TASA ANUAL

NRO CUOTAS

TASA NOMINAL

GRAMA DE PAGOS
RESULTADO DE LOS CASOS
TOTAL PAGOS

TOTAL INTERESES

PAGO TOTAL

CONTROL DE CRONOGRAMA DE PAGOS

CASOS

INTERESES
PAGADOS
TOTALMENTE

PAGO TOTAL

INTERES
EFECTIVO

TASA NOMINAL

CASO-1
CASO-2
CASO-3
CASO-4
CASO-5
CASO-6
CASO-7
CASO-8
CASO-9
CASO-10

CASOS
CASO-1
CASO-2
CASO-3
CASO-4
CASO-5
CASO-6
CASO-7
CASO-8
CASO-9
CASO-10

MONTO

TABLA DE REFERENCIA
TASA ANUAL
NRO CUOTAS
20000
12.98%
3000
10.00%
18000
8.94%
45000
14.00%
9000
8.50%
12500
9.60%
3000
9.40%
12000
11.00%
2000
8.30%
14000
12.30%

6
12
12
18
16
8
16
24
6
18

GRAMA DE PAGOS
RESULTADO DE LOS CASOS
TOTAL PAGOS

TOTAL INTERESES

PAGO TOTAL

CASO - 01 [AMORTIZACIONES]
Valor del bien
Fecha de compra
Fecha de finalizacin del primer
periodo

60000 Valor inicial del bien a amortizar

3/25/2011 La fecha de compra del bien
12/31/2011 La fecha del fin del primer periodo

Valor residual

0 Es el valor del bien una vez completada su vida til

Periodo

10 Es el lapso para el cual se calcula la amortizacin

Tasa de amortizacin

10%

Amortizacin para el periodo

Monto Total

Fecha de
Origen

Cierre del 1
periodo

Valores
residual

N de
periodos

Porcentaje
Amortizacin
Anual

Importe
Anual

CASO - 02 [AMORTIZACIONES]
Valor del bien
Fecha de compra
Fecha de finalizacin del
primer periodo
Valor residual
Periodo
Tasa de amortizacin
Amortizacin para el periodo

Monto Total

60,000.00
6/5/2011
12/31/2011
0
4
10%

Fecha de Origen

Cierre del 1
periodo

Valores
residual

N de
periodos

Porcentaje
Amortizacin
Anual

Importe
Anual

CASO - 03 [AMORTIZACIONES]
valor inicial
60,000.00
valor residual
6,000.00
vida til
10.00
periodo
4.00
Amortizacin del periodo

CASO - 04 [AMORTIZACIONES]
valor inicial
60,000.00
valor residual
6,000.00
vida til
10.00
periodo
4
Amortizacin del periodo

CASO - 01 [CUPONES]
Fecha de compra
Fecha de vencimiento del
Bono
Frecuencia
Base

1/15/2011
12/24/2011
2
3

CASO - 01 [CUPONES]
Fecha de compra
Fecha de vencimiento del
Bono
Frecuencia
Base

1/15/2011
12/24/2011
2
3

CASO - 02 [CUPONES]
Fecha de compra
Fecha de vencimiento del
Bono
Frecuencia
Base

1/15/2011
12/24/2011
2
3

CASO - 01 [CUPONES - FECHA]

Fecha de compra
1/15/2011
Fecha de vencimiento del
12/24/2011
Bono
Frecuencia
2
Base
3

CASO - 02 [CUPONES - FECHA]

Fecha de compra
1/15/2011
Fecha de vencimiento del
12/24/2011
Bono
Frecuencia
2
Base
3

CASO - 01 [CUPONES - NUM

Fecha de compra
1/15/2011
Fecha de vencimiento del
12/24/2012
Bono
Frecuencia
2
Base
3

Fecha de compra
Fecha de vencimiento del Bono
Tasa nominal
Rendimiento
Frecuencia
Base

BONO 1
12/26/2011

BONO 2
12/26/2011

12/24/2017
5%
9%
4
3

12/24/2017
7%
9%
4
3

BONO 3
12/26/2011
12/24/2017
6%
7%
4
3

Cantidad de cuotas
Cuota
Prstamo
Vf
Tipo
Estimar
Tasa Mensual
Tasa Anual
(Tasa mensual * 12)

15
-928.57
13000
0
0

Tasa Anual
Cuota
Prstamo
Vf
Tipo
Cantidad de cuotas

11%
-928.57
13000
0
0