P

TEA
TEM
n
(PAGO)

10000
15%
0.0117
24 meses

CUOTA CTE
Perodo

S/. 480.40
Cuota

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

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Inters
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40
480.40

117.15
112.89
108.59
104.23
99.83
95.37
90.86
86.29
81.68
77.01
72.28
67.50
62.66
57.77
52.82
47.81
42.74
37.61
32.42
27.18
21.87
16.50
11.06
5.56

Amortizacin
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

363.25
367.51
371.81
376.17
380.58
385.04
389.55
394.11
398.73
403.40
408.12
412.90
417.74
422.64
427.59
432.60
437.66
442.79
447.98
453.23
458.54
463.91
469.34
474.84

P
TEA
TEM
n
CUOTA
Saldo
10000
S/. 9,636.75
S/. 9,269.24
S/. 8,897.42
S/. 8,521.25
S/. 8,140.68
S/. 7,755.64
S/. 7,366.10
S/. 6,971.99
S/. 6,573.26
S/. 6,169.86
S/. 5,761.74
S/. 5,348.84
S/. 4,931.10
S/. 4,508.46
S/. 4,080.87
S/. 3,648.28
S/. 3,210.62
S/. 2,767.83
S/. 2,319.85
S/. 1,866.62
S/. 1,408.09
S/. 944.18
S/. 474.84
S/. 0.00

Perodo

"Escriba aqu la ecuacin."

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
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79

80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

100000
12%
0.0095
10 aos
120 meses
S/. 1,399.47
Cuota
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Inters
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47

Amortizacin
948.88
944.60
940.29
935.93
931.53
927.09
922.61
918.08
913.52
908.91
904.25
899.55
894.81
890.02
885.19
880.31
875.38
870.41
865.39
860.32
855.20
850.04
844.82
839.56
834.25
828.89
823.47
818.01
812.49
806.92
801.30
795.62
789.89
784.11

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

450.59
454.87
459.18
463.54
467.94
472.38
476.86
481.39
485.95
490.57
495.22
499.92
504.66
509.45
514.29
519.17
524.09
529.07
534.09
539.15
544.27
549.43
554.65
559.91
565.22
570.59
576.00
581.47
586.98
592.55
598.18
603.85
609.58
615.37

Saldo
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

100000
99,549.41
99,094.54
98,635.36
98,171.81
97,703.87
97,231.49
96,754.63
96,273.25
95,787.29
95,296.72
94,801.50
94,301.58
93,796.92
93,287.47
92,773.18
92,254.02
91,729.92
91,200.86
90,666.77
90,127.62
89,583.35
89,033.91
88,479.27
87,919.36
87,354.13
86,783.55
86,207.55
85,626.08
85,039.10
84,446.54
83,848.37
83,244.52
82,634.93
82,019.57

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47
1,399.47

778.27
772.37
766.42
760.41
754.35
748.23
742.05
735.81
729.51
723.16
716.74
710.26
703.72
697.12
690.46
683.73
676.94
670.08
663.16
656.17
649.12
642.00
634.81
627.56
620.23
612.84
605.37
597.84
590.23
582.55
574.80
566.98
559.08
551.10
543.05
534.93
526.72
518.44
510.08
501.64
493.12
484.52
475.84
467.08
458.23

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

621.21
627.10
633.05
639.06
645.12
651.24
657.42
663.66
669.96
676.31
682.73
689.21
695.75
702.35
709.02
715.74
722.54
729.39
736.31
743.30
750.35
757.47
764.66
771.92
779.24
786.63
794.10
801.63
809.24
816.92
824.67
832.49
840.39
848.37
856.42
864.54
872.75
881.03
889.39
897.83
906.35
914.95
923.63
932.39
941.24

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

81,398.36
80,771.26
80,138.21
79,499.16
78,854.04
78,202.79
77,545.37
76,881.71
76,211.76
75,535.44
74,852.71
74,163.50
73,467.75
72,765.40
72,056.38
71,340.64
70,618.10
69,888.71
69,152.40
68,409.10
67,658.75
66,901.28
66,136.62
65,364.70
64,585.46
63,798.83
63,004.73
62,203.10
61,393.86
60,576.94
59,752.27
58,919.78
58,079.38
57,231.01
56,374.60
55,510.05
54,637.30
53,756.27
52,866.88
51,969.06
51,062.71
50,147.76
49,224.13
48,291.73
47,350.49

S/. 1,399.47
449.30
S/. 950.17
S/. 1,399.47
440.28
S/. 959.19
S/. 1,399.47
431.18
S/. 968.29
S/. 1,399.47
421.99
S/. 977.48
S/. 1,399.47
412.72
S/. 986.75
S/. 1,399.47
403.36
S/. 996.12
S/. 1,399.47
393.90
S/. 1,005.57
S/. 1,399.47
384.36
S/. 1,015.11
S/. 1,399.47
374.73
S/. 1,024.74
S/. 1,399.47
365.01
S/. 1,034.47
S/. 1,399.47
355.19
S/. 1,044.28
S/. 1,399.47
345.28
S/. 1,054.19
S/. 1,399.47
335.28
S/. 1,064.19
S/. 1,399.47
325.18
S/. 1,074.29
S/. 1,399.47
314.99
S/. 1,084.49
S/. 1,399.47
304.70
S/. 1,094.78
S/. 1,399.47
294.31
S/. 1,105.16
S/. 1,399.47
283.82
S/. 1,115.65
S/. 1,399.47
273.24
S/. 1,126.24
S/. 1,399.47
262.55
S/. 1,136.92
S/. 1,399.47
251.76
S/. 1,147.71
S/. 1,399.47
240.87
S/. 1,158.60
S/. 1,399.47
229.88
S/. 1,169.60
S/. 1,399.47
218.78
S/. 1,180.69
S/. 1,399.47
207.58
S/. 1,191.90
S/. 1,399.47
196.27
S/. 1,203.21
S/. 1,399.47
184.85
S/. 1,214.62
S/. 1,399.47
173.32
S/. 1,226.15
S/. 1,399.47
161.69
S/. 1,237.78
S/. 1,399.47
149.94
S/. 1,249.53
S/. 1,399.47
138.09
S/. 1,261.38
S/. 1,399.47
126.12
S/. 1,273.35
S/. 1,399.47
114.04
S/. 1,285.44
S/. 1,399.47
101.84
S/. 1,297.63
S/. 1,399.47
89.53
S/. 1,309.95
S/. 1,399.47
77.10
S/. 1,322.38
S/. 1,399.47
64.55
S/. 1,334.92
S/. 1,399.47
51.88
S/. 1,347.59
S/. 1,399.47
39.09
S/. 1,360.38
S/. 1,399.47
26.19
S/. 1,373.29
S/. 1,399.47
13.15
S/. 1,386.32
S/. 167,936.61 S/. 67,936.61 S/. 100,000.00

S/. 46,400.32
S/. 45,441.13
S/. 44,472.84
S/. 43,495.36
S/. 42,508.61
S/. 41,512.49
S/. 40,506.93
S/. 39,491.82
S/. 38,467.07
S/. 37,432.61
S/. 36,388.33
S/. 35,334.14
S/. 34,269.94
S/. 33,195.65
S/. 32,111.17
S/. 31,016.39
S/. 29,911.23
S/. 28,795.58
S/. 27,669.34
S/. 26,532.42
S/. 25,384.71
S/. 24,226.10
S/. 23,056.51
S/. 21,875.82
S/. 20,683.92
S/. 19,480.71
S/. 18,266.09
S/. 17,039.94
S/. 15,802.16
S/. 14,552.63
S/. 13,291.24
S/. 12,017.89
S/. 10,732.45
S/. 9,434.82
S/. 8,124.87
S/. 6,802.50
S/. 5,467.57
S/. 4,119.98
S/. 2,759.60
S/. 1,386.32
S/. 0.00

SISTEMA ALEMN
P
n
TEA
TEM
AMORT Cte

Perodo

10000
24 meses
15%
0.0117
416.67

Cuota
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

Inters
533.82
528.93
524.05
519.17
514.29
509.41
504.53
499.65
494.77
489.88
485.00
480.12
475.24
470.36
465.48
460.60
455.72
450.84
445.95
441.07
436.19
431.31
426.43
421.55

117.15
112.27
107.39
102.51
97.62
92.74
87.86
82.98
78.10
73.22
68.34
63.46
58.57
53.69
48.81
43.93
39.05
34.17
29.29
24.41
19.52
14.64
9.76
4.88

Amortizacin Saldo
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67
416.67

En el Per se usa el sistema francs que es mas costoso

10000
9583.33
9166.67
8750.00
8333.33
7916.67
7500.00
7083.33
6666.67
6250.00
5833.33
5416.67
5000.00
4583.33
4166.67
3750.00
3333.33
2916.67
2500.00
2083.33
1666.67
1250.00
833.33
416.67
0.00

PG MUERTO
P
TEM
Pgracia
Ppago
CUOTAS

10000
2%
5 meses
12 meses
S/. 1,044.01

Perodo

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

TOTAL

S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 1,044.01
S/. 12,528.17

Inters
200.00
204.00
208.08
212.24
216.49
S/. 220.82
S/. 204.35
S/. 187.56
S/. 170.43
S/. 152.96
S/. 135.14
S/. 116.96
S/. 98.42
S/. 79.51
S/. 60.22
S/. 40.54
S/. 20.47
2528.17

Amortizacin

S/. 823.20
S/. 839.66
S/. 856.46
S/. 873.58
S/. 891.06
S/. 908.88
S/. 927.05
S/. 945.60
S/. 964.51
S/. 983.80
S/. 1,003.47
S/. 1,023.54
S/. 10,000.00

CUOTA REDUCIDA
P
TEM
Pgracia
Ppago
CUOTA

Saldo
10000.00
10200.00
10404.00
10612.08
10824.32
11040.81
10217.61
9377.95
8521.49
7647.91
6756.85
5847.97
4920.92
3975.32
3010.82
2027.02
1023.54
0.00

10000
2%
5 meses
12 meses
S/. 945.60

Perodo

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

TOTAL

200
200
200
200
200
S/. 945.60
S/. 945.60
S/. 945.60
S/. 945.60
S/. 945.60
S/. 945.60
S/. 945.60
S/. 945.60
S/. 945.60
S/. 945.60
S/. 945.60
S/. 945.60
S/. 12,347.15

Inters
200
200
200
200
200
200
185.088081
169.877923
154.363562
138.538914
122.397773
105.933809
89.140566
72.011458
54.5397678
36.7186438
18.5410974
S/. 2,347.15

Amortizacin
0
0
0
0
0
745.59596623
760.50788555
775.71804327
791.23240413
807.05705221
823.19819326
839.66215712
856.45540026
873.58450827
891.05619844
908.8773224
927.05486885
S/. 10,000.00

P
TEA
PG
Ppago
CUOTAS

Saldo
10000
10000
10000
10000
10000
10000
9254.404034
8493.896148
7718.178105
6926.945701
6119.888649
5296.690455
4457.028298
3600.572898
2726.98839
1835.932191
927.0548689
0

100000
18%
24 meses
60 meses
S/. 4,941.18

Perodo

Cuota
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

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18

Inters

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

1388.84
1408.13
1427.69
1447.52
1467.62
1488.00
1508.67
1529.62
1550.87
1572.41
1594.24
1616.39
1638.83
1661.60
1684.67
1708.07
1731.79
1755.84
1780.23
1804.95
1830.02
1855.44
1881.21
1907.34
1,933.83
1,892.06
1,849.71
1,806.77
1,763.24
1,719.11
1,674.36
1,628.99
1,582.98
1,536.34

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18
4,941.18

S/. 1,489.06
S/. 1,441.11
S/. 1,392.50
S/. 1,343.22
S/. 1,293.25
S/. 1,242.58
S/. 1,191.21
S/. 1,139.13
S/. 1,086.33
S/. 1,032.79
S/. 978.51
S/. 923.47
S/. 867.67
S/. 811.10
S/. 753.74
S/. 695.58
S/. 636.62
S/. 576.83
S/. 516.22
S/. 454.76
S/. 392.46
S/. 329.28
S/. 265.23
S/. 200.29
S/. 134.44
S/. 67.69

TEM

0.014

Amortizacin

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,007.35
3,049.12
3,091.47
3,134.40
3,177.94
3,222.07
3,266.82
3,312.19
3,358.20
3,404.84

Saldo
100000.00
101388.84
102796.97
104224.66
105672.18
107139.80
108627.80
110136.47
111666.10
113216.96
114789.37
116383.61
118000.00
119638.83
121300.43
122985.10
124693.17
126424.97
128180.81
129961.04
131765.99
133596.02
135451.46
137332.66
139240.00
S/. 136,232.65
S/. 133,183.52
S/. 130,092.05
S/. 126,957.65
S/. 123,779.71
S/. 120,557.64
S/. 117,290.82
S/. 113,978.62
S/. 110,620.43
S/. 107,215.59

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,452.12 S/. 103,763.47

3,500.07 S/. 100,263.40
3,548.68
S/. 96,714.72
3,597.96
S/. 93,116.76
3,647.93
S/. 89,468.83
3,698.60
S/. 85,770.23
3,749.97
S/. 82,020.26
3,802.05
S/. 78,218.22
3,854.85
S/. 74,363.37
3,908.39
S/. 70,454.98
3,962.67
S/. 66,492.31
4,017.71
S/. 62,474.60
4,073.51
S/. 58,401.10
4,130.08
S/. 54,271.02
4,187.44
S/. 50,083.58
4,245.60
S/. 45,837.98
4,304.56
S/. 41,533.42
4,364.35
S/. 37,169.07
4,424.96
S/. 32,744.11
4,486.42
S/. 28,257.70
4,548.72
S/. 23,708.97
4,611.90
S/. 19,097.07
4,675.95
S/. 14,421.12
4,740.89
S/. 9,680.23
4,806.74
S/. 4,873.49
4,873.49
S/. -0.00