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Formulas Credito Consumo PDF
Formulas Credito Consumo PDF
[[(
Donde
TEM :
TEA
:
Pgina 1
[[(
TEM = 2.8%
b) Calculo de la Tasa Efectiva Diaria
[[(
) ]
[[(
) ]
TEM = 0.0921%
(
(
C = 496.33 Soles
Calculando el Seguro de Desgravamen
MSD = SK * (0.00065/30) * n
Donde:
Pgina 2
[[(
Donde:
Int. Cuo. = Monto de inters
TEM = Tasa Efectiva Mensual
K = Capital o Monto del Prstamo
DA = Das acumulados por cuota
Si el cliente solicita un periodo de gracia de 31 das (01 mes). Cunto sera el inters a
pagar?
[[(
) ]
Pgina 3
Se vuelve a calcular el inters compensatorio del inters de gracia a la fecha del pago
de la primera cuota.
(
) ]
I = 2.01
I = S/ 144.74 + S/ 2.01 = S/ 146.75
) ]
Donde:
I = Monto de inters
TEM = Tasa de inters mensual
K = Capital o Monto del Prstamo
(
) ]
I = 144.74 Soles
Pgina 4
Donde:
I= Tasa de inters mensual
DA= Das acumulados
[
FAS = 0.9718676248
SCf
= 5 000
SCf
- 351.60
4648.40
Pgina 5
Calendario de Pagos
Cuota
Fecha
Das
0 28/03/2014
1 28/04/2014
2 28/05/2014
3 28/06/2014
4 28/07/2014
5 28/08/2014
6 29/09/2014
7 28/10/2014
8 28/11/2014
9 29/12/2014
10 28/01/2015
11 28/02/2015
12 28/03/2015
Das
Acumulados Factor (FAS)
0
0
31
31 0.9718676245
30
61 0.9453965219
31
92 0.9188002719
30
122 0.8937745836
31
153 0.8686305814
32
185 0.8434172120
29
214 0.8212003304
31
245 0.7980980143
31
276 0.7756456213
30
306 0.7545190869
31
337 0.7332926726
28
365 0.7146341595
Saldo Capital
5,000.00
4,648.12
4,281.33
3,908.17
3,520.17
3,124.47
2,720.07
2,295.40
1,863.41
1,418.64
959.31
487.75
0.00
Capital
351.88
366.80
373.16
388.00
395.71
404.40
424.67
431.99
444.78
459.33
471.56
487.72
Interes
144.73
130.15
123.93
109.43
101.90
93.40
73.59
66.44
53.94
39.72
27.77
11.91
IG
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Seguro
Desgravamen
3.36
3.02
2.88
2.54
2.36
2.17
1.71
1.54
1.25
0.92
0.64
0.30
Seguro
Bien
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Aplicando Interacciones
Para poder hallar la cuota fija se realiza el siguiente flujo:
1.
2.
3.
4.
Pgina 6
Importe Total
de Cuota
499.97
499.97
499.97
499.97
499.97
499.97
499.97
499.97
499.97
499.97
499.97
499.93
Iteracion
Factor
1
2
3
4
5
6
7
8
SaldoCap
2
4
8
16
32
16
16
16
27.99
25.8096
21.8454
15.0998
5.75688
5.75688
2.2286
0.8163
Razon
0.15337
0.282845
0.478804
0.661908
0.504713
0.252356
0.097692
0.035783
Cuota
498.19337
498.476214
498.955018
499.616926
500.121639
499.869283
499.966975
500.002758
TCEA = ( (1 + TCEM )
12
TCEA = ( ( 1 + 0.02865 )
- 1) x 100
12
- 1 ) x 100
TCEA = 40.35 %
Pgina 7
)
)
TED = 0.00092094577
Pgina 8
((
(
(
((
TMD = 0.26%
((
(
(
(
(
IM = (0.00520676) * (404.40)
IM = 2.11 Soles
Pgina 9
Pgina 10