LUNES MARTES MIRCOLES

PERSONAS 6 4 4
GRAMOS 42 42 42
Total Gramos 252 168 168
Valor del Gramo 60 60 60
Monto a Prestar diario 15120 10080 10080

Inters ganado x personas puntuales S/. 756.00 S/. 504.00 S/. 504.00
inters ganado x por mora S/. 45.36 S/. 30.24 S/. 30.24
inters ganado por remate S/. 0.91 S/. 0.60 S/. 0.60

GANANCIA TOTAL INTERESES S/. 802.27 S/. 534.84 S/. 534.84

TOTAL INTERS MENSUAL S/. 3,209.07 S/. 2,139.38 S/. 2,139.38

 S/. 60,480.00
1 Gramo
JUEVES VIERNES SBADO
3 3 2 Inters por persona puntual
42 42 42 Inters por mora
126 126 84 Inters por remate
60 60 60
7560 7560 5040 55440

S/. 378.00 S/. 378.00 S/. 252.00

S/. 22.68 S/. 22.68 S/. 15.12
S/. 0.45 S/. 0.45 S/. 0.30

S/. 401.13 S/. 401.13 S/. 267.42

S/. 1,604.53 S/. 1,604.53 S/. 1,069.69 S/. 11,766.59

S/. 8,380.00
S/. 3,386.59
PARA PRESTAR MENSUAL
S/. 60.00

5%
6%
2%

INGRESOS
EGRESOS
28.78%
 MANO DE OBRA (PERSONAL)
CARGO CANTIDAD PAGO MENSUAL C/U
ADMINISTRADOR 1 S/. 2,500.00
COTIZADOR 1 S/. 1,500.00
INFORMANTE 1 S/. 1,200.00
ATENDEDORES 2 S/. 1,000.00
SEGURIDAD 2 S/. 1,000.00
TOTAL

PAGO DE SERVICIOS
SERVICIO TOTAL
INTERNET S/. 100.00
TELFONO S/. 100.00
LUZ 300
AGUA S/. 180.00
S/. 680.00

TOTAL EGRESOS S/. 8,380.00

PERSONAL)
TOTAL
S/. 2,500.00 S/. 1,500.00
S/. 1,500.00 S/. 1,200.00
S/. 1,200.00 S/. 1,000.00
S/. 1,000.00 S/. 2,000.00
S/. 1,000.00 S/. 2,000.00
S/. 7,700.00
INGRESOS S/. 11,766.59
EGRESOS S/. 8,380.00 Utilidad 20% Cuota 80%
DIFERENCIA S/. 3,386.59 677.32 2,709.27
DIFERENCIA EN % 28.78%

I. INGRESOS S/. 11,766.59

II.EGRESOS S/. 8,380.00
Diferencia (I-II) S/. 3,386.59
Cuota S/. 2,709.27
INGRESOS NETOS S/. 677.32
esa sera la cuota real
 FINANCIAMIENTO
Fuente Porcentaje Monto
Aporte propio 20% S/. 26,908
Crdito 80% S/. 107,633
Total 100% S/. 134,541
 FINANCIAMIENTO

1. CONTRATO DE LEASING

Moneda de credito S/. 107,633

Fecha de desembolso 12/30/2015
Dia de pago 30
Cantidad solicitads S/. 107,633
Importe desembolsado S/. 107,633
Tasa efectiva anual 9.10%

FRMULA PARA CALCULAR LA TASA DE INTERS EFECTIVA MENSUAL:

Si se cuenta con una Tasa de Inters Efectiva Anual (TEA) y se desea calcular la Tasa de
Inters Efectiva Mensual (TEM), se utiliza la siguiente frmula:

=((1+ )^1/48 1) 48
= 0.08717377

Para luego ajustar la TEM al plazo correspondiente y convertirla en una Tasa Ajustada al
Plazo (i), se aplica la siguiente frmula:

i = TEM / 360 X N de das

i = 0.08717377 / 360 x 30 0.00726448

CLCULO DE LA CUOTA FINANCIERA (C)

Para el clculo de la Cuota Financiera (C) se utiliza la siguiente frmula:

= S/. 2,664.03

FRMULA PARA CALCULAR LOS INTERESES DE LA CUOTA:

Calculo de inters
Int = TEM * S

S = Saldo del Prstamo: Monto Solicitado

Int = 0.08717377 * 107,633

Int = S/. 9,382.76
S/. 76.03
PRESTAMO S/. 107,633 TNA=((1+0.091)^(1/48)1)
NPER 48 48
TEA 9.1% TNA= 0.08717377016
TEM 0.00726448084666667 i= 0.00726448084666667
CUOTA S/. 2,664.03

PERIODO DEUDA AMORTIZACION INTERES CUOTA Principal al final

0 S/. 107,632.88 S/. 107,632.88
1 S/. 107,632.88 S/. 1,882.13 S/. 781.90 S/. 2,664.03 S/. 105,750.75
2 S/. 105,750.75 S/. 1,895.80 S/. 768.22 S/. 2,664.03 S/. 103,854.95
3 S/. 103,854.95 S/. 1,909.58 S/. 754.45 S/. 2,664.03 S/. 101,945.37
4 S/. 101,945.37 S/. 1,923.45 S/. 740.58 S/. 2,664.03 S/. 100,021.92
5 S/. 100,021.92 S/. 1,937.42 S/. 726.61 S/. 2,664.03 S/. 98,084.50
6 S/. 98,084.50 S/. 1,951.49 S/. 712.53 S/. 2,664.03 S/. 96,133.01
7 S/. 96,133.01 S/. 1,965.67 S/. 698.36 S/. 2,664.03 S/. 94,167.34
8 S/. 94,167.34 S/. 1,979.95 S/. 684.08 S/. 2,664.03 S/. 92,187.38
9 S/. 92,187.38 S/. 1,994.33 S/. 669.69 S/. 2,664.03 S/. 90,193.05
10 S/. 90,193.05 S/. 2,008.82 S/. 655.21 S/. 2,664.03 S/. 88,184.23
11 S/. 88,184.23 S/. 2,023.42 S/. 640.61 S/. 2,664.03 S/. 86,160.81
12 S/. 86,160.81 S/. 2,038.11 S/. 625.91 S/. 2,664.03 S/. 84,122.70
13 S/. 84,122.70 S/. 2,052.92 S/. 611.11 S/. 2,664.03 S/. 82,069.78
14 S/. 82,069.78 S/. 2,067.83 S/. 596.19 S/. 2,664.03 S/. 80,001.94
15 S/. 80,001.94 S/. 2,082.86 S/. 581.17 S/. 2,664.03 S/. 77,919.09
16 S/. 77,919.09 S/. 2,097.99 S/. 566.04 S/. 2,664.03 S/. 75,821.10
17 S/. 75,821.10 S/. 2,113.23 S/. 550.80 S/. 2,664.03 S/. 73,707.88
18 S/. 73,707.88 S/. 2,128.58 S/. 535.45 S/. 2,664.03 S/. 71,579.30
19 S/. 71,579.30 S/. 2,144.04 S/. 519.99 S/. 2,664.03 S/. 69,435.26
20 S/. 69,435.26 S/. 2,159.62 S/. 504.41 S/. 2,664.03 S/. 67,275.64
21 S/. 67,275.64 S/. 2,175.31 S/. 488.72 S/. 2,664.03 S/. 65,100.33
22 S/. 65,100.33 S/. 2,191.11 S/. 472.92 S/. 2,664.03 S/. 62,909.23
23 S/. 62,909.23 S/. 2,207.02 S/. 457.00 S/. 2,664.03 S/. 60,702.20
24 S/. 60,702.20 S/. 2,223.06 S/. 440.97 S/. 2,664.03 S/. 58,479.14
25 S/. 58,479.14 S/. 2,239.21 S/. 424.82 S/. 2,664.03 S/. 56,239.94
26 S/. 56,239.94 S/. 2,255.47 S/. 408.55 S/. 2,664.03 S/. 53,984.46
27 S/. 53,984.46 S/. 2,271.86 S/. 392.17 S/. 2,664.03 S/. 51,712.60
28 S/. 51,712.60 S/. 2,288.36 S/. 375.67 S/. 2,664.03 S/. 49,424.24
29 S/. 49,424.24 S/. 2,304.99 S/. 359.04 S/. 2,664.03 S/. 47,119.25
30 S/. 47,119.25 S/. 2,321.73 S/. 342.30 S/. 2,664.03 S/. 44,797.52
31 S/. 44,797.52 S/. 2,338.60 S/. 325.43 S/. 2,664.03 S/. 42,458.93
32 S/. 42,458.93 S/. 2,355.59 S/. 308.44 S/. 2,664.03 S/. 40,103.34
33 S/. 40,103.34 S/. 2,372.70 S/. 291.33 S/. 2,664.03 S/. 37,730.64
34 S/. 37,730.64 S/. 2,389.93 S/. 274.09 S/. 2,664.03 S/. 35,340.71
35 S/. 35,340.71 S/. 2,407.30 S/. 256.73 S/. 2,664.03 S/. 32,933.41
36 S/. 32,933.41 S/. 2,424.78 S/. 239.24 S/. 2,664.03 S/. 30,508.63
37 S/. 30,508.63 S/. 2,442.40 S/. 221.63 S/. 2,664.03 S/. 28,066.23
38 S/. 28,066.23 S/. 2,460.14 S/. 203.89 S/. 2,664.03 S/. 25,606.09
39 S/. 25,606.09 S/. 2,478.01 S/. 186.01 S/. 2,664.03 S/. 23,128.08
40 S/. 23,128.08 S/. 2,496.01 S/. 168.01 S/. 2,664.03 S/. 20,632.06
41 S/. 20,632.06 S/. 2,514.15 S/. 149.88 S/. 2,664.03 S/. 18,117.92
42 S/. 18,117.92 S/. 2,532.41 S/. 131.62 S/. 2,664.03 S/. 15,585.50
43 S/. 15,585.50 S/. 2,550.81 S/. 113.22 S/. 2,664.03 S/. 13,034.70
44 S/. 13,034.70 S/. 2,569.34 S/. 94.69 S/. 2,664.03 S/. 10,465.36
45 S/. 10,465.36 S/. 2,588.00 S/. 76.03 S/. 2,664.03 S/. 7,877.36
46 S/. 7,877.36 S/. 2,606.80 S/. 57.22 S/. 2,664.03 S/. 5,270.55
47 S/. 5,270.55 S/. 2,625.74 S/. 38.29 S/. 2,664.03 S/. 2,644.81
48 S/. 2,644.81 S/. 2,644.81 S/. 19.21 S/. 2,664.03 S/. 0.00
S/. 107,632.88 S/. 20,240.46 S/. 127,873.34
1/48)1) Cuota simulador Propio S/. 2,664.03
Cuota simulador banco S/. 2,740.06

Diferencia entre cuotas S/. 76.03

Diferencia entre cuotas en porcentaje es 2.77%
La diferencia final es de S/. 2,986.63
NUEVO PRSTAMO S/. 110,619.51
 INVERSION ADICIONAL
aire acondicionado S/. 2,986.63
TOTAL S/. 2,986.63
PRESTAMO S/. 110,619.51
NPER 48
TEA 9.1%
TEM 0.0072644808
CUOTA S/. 2,737.95

PERIODO DEUDA Amortizacin Interes CUOTA Principal al final

0 S/. 110,619.51 S/. 110,619.51
1 S/. 110,619.51 S/. 1,934.36 S/. 803.59 S/. 2,737.95 S/. 108,685.16
2 S/. 108,685.16 S/. 1,948.41 S/. 789.54 S/. 2,737.95 S/. 106,736.75
3 S/. 106,736.75 S/. 1,962.56 S/. 775.39 S/. 2,737.95 S/. 104,774.19
4 S/. 104,774.19 S/. 1,976.82 S/. 761.13 S/. 2,737.95 S/. 102,797.37
5 S/. 102,797.37 S/. 1,991.18 S/. 746.77 S/. 2,737.95 S/. 100,806.18
6 S/. 100,806.18 S/. 2,005.65 S/. 732.30 S/. 2,737.95 S/. 98,800.54
7 S/. 98,800.54 S/. 2,020.22 S/. 717.73 S/. 2,737.95 S/. 96,780.32
8 S/. 96,780.32 S/. 2,034.89 S/. 703.06 S/. 2,737.95 S/. 94,745.43
9 S/. 94,745.43 S/. 2,049.67 S/. 688.28 S/. 2,737.95 S/. 92,695.76
10 S/. 92,695.76 S/. 2,064.56 S/. 673.39 S/. 2,737.95 S/. 90,631.19
11 S/. 90,631.19 S/. 2,079.56 S/. 658.39 S/. 2,737.95 S/. 88,551.63
12 S/. 88,551.63 S/. 2,094.67 S/. 643.28 S/. 2,737.95 S/. 86,456.96
AO 1 S/. 24,162.55 S/. 8,692.85 S/. 32,855.40
13 S/. 86,456.96 S/. 2,109.89 S/. 628.06 S/. 2,737.95 S/. 84,347.08
14 S/. 84,347.08 S/. 2,125.21 S/. 612.74 S/. 2,737.95 S/. 82,221.87
15 S/. 82,221.87 S/. 2,140.65 S/. 597.30 S/. 2,737.95 S/. 80,081.22
16 S/. 80,081.22 S/. 2,156.20 S/. 581.75 S/. 2,737.95 S/. 77,925.01
17 S/. 77,925.01 S/. 2,171.87 S/. 566.08 S/. 2,737.95 S/. 75,753.15
18 S/. 75,753.15 S/. 2,187.64 S/. 550.31 S/. 2,737.95 S/. 73,565.51
19 S/. 73,565.51 S/. 2,203.54 S/. 534.42 S/. 2,737.95 S/. 71,361.97
20 S/. 71,361.97 S/. 2,219.54 S/. 518.41 S/. 2,737.95 S/. 69,142.43
21 S/. 69,142.43 S/. 2,235.67 S/. 502.28 S/. 2,737.95 S/. 66,906.76
22 S/. 66,906.76 S/. 2,251.91 S/. 486.04 S/. 2,737.95 S/. 64,654.85
23 S/. 64,654.85 S/. 2,268.27 S/. 469.68 S/. 2,737.95 S/. 62,386.59
24 S/. 62,386.59 S/. 2,284.74 S/. 453.21 S/. 2,737.95 S/. 60,101.84
AO 2 S/. 26,355.12 S/. 6,500.28 S/. 32,855.40
25 S/. 60,101.84 S/. 2,301.34 S/. 436.61 S/. 2,737.95 S/. 57,800.50
26 S/. 57,800.50 S/. 2,318.06 S/. 419.89 S/. 2,737.95 S/. 55,482.44
27 S/. 55,482.44 S/. 2,334.90 S/. 403.05 S/. 2,737.95 S/. 53,147.54
28 S/. 53,147.54 S/. 2,351.86 S/. 386.09 S/. 2,737.95 S/. 50,795.68
29 S/. 50,795.68 S/. 2,368.95 S/. 369.00 S/. 2,737.95 S/. 48,426.74
30 S/. 48,426.74 S/. 2,386.16 S/. 351.80 S/. 2,737.95 S/. 46,040.58
31 S/. 46,040.58 S/. 2,403.49 S/. 334.46 S/. 2,737.95 S/. 43,637.09
32 S/. 43,637.09 S/. 2,420.95 S/. 317.00 S/. 2,737.95 S/. 41,216.14
33 S/. 41,216.14 S/. 2,438.54 S/. 299.41 S/. 2,737.95 S/. 38,777.61
 34 S/. 38,777.61 S/. 2,456.25 S/. 281.70 S/. 2,737.95 S/. 36,321.36
35 S/. 36,321.36 S/. 2,474.09 S/. 263.86 S/. 2,737.95 S/. 33,847.26
36 S/. 33,847.26 S/. 2,492.07 S/. 245.88 S/. 2,737.95 S/. 31,355.19
AO 3 S/. 28,746.65 S/. 4,108.75 S/. 32,855.40
37 S/. 31,355.19 S/. 2,510.17 S/. 227.78 S/. 2,737.95 S/. 28,845.02
38 S/. 28,845.02 S/. 2,528.41 S/. 209.54 S/. 2,737.95 S/. 26,316.62
39 S/. 26,316.62 S/. 2,546.77 S/. 191.18 S/. 2,737.95 S/. 23,769.84
40 S/. 23,769.84 S/. 2,565.27 S/. 172.68 S/. 2,737.95 S/. 21,204.57
41 S/. 21,204.57 S/. 2,583.91 S/. 154.04 S/. 2,737.95 S/. 18,620.66
42 S/. 18,620.66 S/. 2,602.68 S/. 135.27 S/. 2,737.95 S/. 16,017.98
43 S/. 16,017.98 S/. 2,621.59 S/. 116.36 S/. 2,737.95 S/. 13,396.39
44 S/. 13,396.39 S/. 2,640.63 S/. 97.32 S/. 2,737.95 S/. 10,755.76
45 S/. 10,755.76 S/. 2,659.82 S/. 78.13 S/. 2,737.95 S/. 8,095.94
46 S/. 8,095.94 S/. 2,679.14 S/. 58.81 S/. 2,737.95 S/. 5,416.80
47 S/. 5,416.80 S/. 2,698.60 S/. 39.35 S/. 2,737.95 S/. 2,718.20
48 S/. 2,718.20 S/. 2,718.20 S/. 19.75 S/. 2,737.95 S/. 0.00
AO 4 S/. 31,355.19 S/. 1,500.21 S/. 32,855.40
TOTAL S/. 110,619.51 S/. 20,802.10 S/. 131,421.61
TNA=((1+0.091)^(1/48)1)
48
TNA= 0.08717377016
i= 0.0072644808467

Cuota simulador Propio S/. 2,737.95

Cuota simulador banco S/. 2,740.06
Diferencia entre cuotas S/. 2.11