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CALENDARIO DE PAGOS

METODO I: CUOTAS IGUALES o METODO FRANCES

DATOS:
PRESTAMO 10,000.00
TEA 35%
NPER (MESES) 12

TEM 2.53%
PAGO (CUOTA) S/. 976.79

CALENDARIO DE PAGO o CALENDARIO DE SERVICIO A LA DEUDA o CRONOGRAMA PAGOS

PERIODO DEUDA AMORTIZACION INTERES CUOTA SALDO FLUJOS


0 10,000.00 10,000.00 10,000.00
1 10,000.00 S/. 723.54 253.24 S/. 976.79 9,276.46 (S/. 976.79)
2 9,276.46 S/. 741.87 234.92 S/. 976.79 8,534.59 (S/. 976.79)
3 8,534.59 S/. 760.65 216.13 S/. 976.79 7,773.93 (S/. 976.79)
4 7,773.93 S/. 779.92 196.87 S/. 976.79 6,994.02 (S/. 976.79)
5 6,994.02 S/. 799.67 177.12 S/. 976.79 6,194.35 (S/. 976.79)
6 6,194.35 S/. 819.92 156.87 S/. 976.79 5,374.43 (S/. 976.79)
7 5,374.43 S/. 840.68 136.10 S/. 976.79 4,533.75 (S/. 976.79)
8 4,533.75 S/. 861.97 114.81 S/. 976.79 3,671.77 (S/. 976.79)
9 3,671.77 S/. 883.80 92.98 S/. 976.79 2,787.97 (S/. 976.79)
10 2,787.97 S/. 906.18 70.60 S/. 976.79 1,881.79 (S/. 976.79)
11 1,881.79 S/. 929.13 47.65 S/. 976.79 952.66 (S/. 976.79)
12 952.66 S/. 952.66 24.13 S/. 976.79 - (S/. 976.79)
S/. 10,000.00
2.53%

METODO II: AMORTIZACION CONSTANTE o METODO ALEMAN o CUOTAS DECRECIENTES

DATOS:
PRESTAMO 10,000.00
TEA 35%
NPER (MESES) 12

AMORT. CONSTANTE = PRESTAMO /NPER

TEM 2.53%

AMORT. CONST. 833.33


CALENDARIO DE PAGO o CALENDARIO DE SERVICIO A LA DEUDA o CRONOGRAMA PAGOS
PERIODO DEUDA AMORTIZACION INTERES CUOTA SALDO FLUJOS
0 10,000.00 10,000.00 10,000.00
1 10,000.00 833.33 253.24 1,086.57 9,166.67 (1,086.57)
2 9,166.67 833.33 232.14 1,065.47 8,333.33 (1,065.47)
3 8,333.33 833.33 211.03 1,044.37 7,500.00 (1,044.37)
4 7,500.00 833.33 189.93 1,023.26 6,666.67 (1,023.26)
5 6,666.67 833.33 168.83 1,002.16 5,833.33 (1,002.16)
6 5,833.33 833.33 147.72 981.06 5,000.00 (981.06)
7 5,000.00 833.33 126.62 959.95 4,166.67 (959.95)
8 4,166.67 833.33 105.52 938.85 3,333.33 (938.85)
9 3,333.33 833.33 84.41 917.75 2,500.00 (917.75)
10 2,500.00 833.33 63.31 896.64 1,666.67 (896.64)
11 1,666.67 833.33 42.21 875.54 833.33 (875.54)
12 833.33 833.33 21.10 854.44 - (854.44)
10,000.00
2.53%

METODO III: METODO AMERICANO o PAGO DE INTERESES

DATOS:
PRESTAMO 10,000.00
TEA 35%
NPER (MESES) 12
COND. SIN PLAZO GRACIA

TEM 2.53%

CALENDARIO DE PAGO o CALENDARIO DE SERVICIO A LA DEUDA o CRONOGRAMA PAGOS

PERIODO DEUDA AMORTIZACION INTERES CUOTA SALDO


0 10,000.00 10,000.00
1 10,000.00 253.24 253.24 10,000.00
2 10,000.00 253.24 253.24 10,000.00
3 10,000.00 253.24 253.24 10,000.00
4 10,000.00 253.24 253.24 10,000.00
5 10,000.00 253.24 253.24 10,000.00
6 10,000.00 253.24 253.24 10,000.00
7 10,000.00 253.24 253.24 10,000.00
8 10,000.00 253.24 253.24 10,000.00
9 10,000.00 253.24 253.24 10,000.00
10 10,000.00 253.24 253.24 10,000.00
11 10,000.00 253.24 253.24 10,000.00
12 10,000.00 10,000.00 253.24 10,253.24 -
METODO COMBINADO : METODO III + METODO I

DATOS:
PRESTAMO 10,000.00
TEA 35%
NPER (MESES) 12
PLAZO GRACIA 3
REPAGO CUOTAS IGUALES
TEM 2.53% PAGO (CUOTA) S/. 1,354.38

CALENDARIO DE PAGO o CALENDARIO DE SERVICIO A LA DEUDA o CRONOGRAMA PAGOS

PERIODO DEUDA AMORTIZACION INTERES CUOTA SALDO


0 10,000.00 10,000.00
1 10,000.00 253.24 10,253.24
2 10,253.24 259.65 10,512.89
3 10,512.89 266.23 10,779.12
4 10,779.12 S/. 1,081.41 272.97 S/. 1,354.38 9,697.71
5 9,697.71 S/. 1,108.80 245.59 S/. 1,354.38 8,588.91
6 8,588.91 S/. 1,136.88 217.51 S/. 1,354.38 7,452.04
7 7,452.04 S/. 1,165.67 188.72 S/. 1,354.38 6,286.37
8 6,286.37 S/. 1,195.19 159.20 S/. 1,354.38 5,091.18
9 5,091.18 S/. 1,225.45 128.93 S/. 1,354.38 3,865.73
10 3,865.73 S/. 1,256.49 97.90 S/. 1,354.38 2,609.24
11 2,609.24 S/. 1,288.31 66.08 S/. 1,354.38 1,320.93
12 1,320.93 S/. 1,320.93 33.45 S/. 1,354.38 -
S/. 10,779.12

METODO IV: CUOTA BALLON o CUOTA UNICA

DATOS:
PRESTAMO 10,000.00
TEA 35%
NPER (MESES) 12

TEM 2.53%

CALENDARIO DE PAGO o CALENDARIO DE SERVICIO A LA DEUDA o CRONOGRAMA PAGOS

PERIODO DEUDA AMORTIZACION INTERES CUOTA SALDO


0 10,000.00 10,000.00
1 10,000.00 253.24 10,253.24
2 10,253.24 259.65 10,512.89
3 10,512.89 266.23 10,779.12
4 10,779.12 272.97 11,052.09
5 11,052.09 279.88 11,331.98
6 11,331.98 286.97 11,618.95
7 11,618.95 294.24 11,913.19
8 11,913.19 301.69 12,214.88
9 12,214.88 309.33 12,524.21
10 12,524.21 317.16 12,841.37
11 12,841.37 325.20 13,166.57
12 13,166.57 13,166.57 333.43 13,500.00 -
CASO DE LEASING

BIEN CAMION
VALOR 110,000.00
% C. INICIAL 20% NEGOCIABLE
TEA 9.00% NEGOCIABLE
NPER (MESES) 36 NEGOCIABLE
OPCION COMPRA 1%
SEGURO % 0.075% NEGOCIABLE
IGV 18%
PORTES 10.00

TEM 0.72%
MONTO A FINANCIAR 88,000.00
VALOR O/COMPRA 880.00
CUOTA FINANCIERA S/. 2,762.52

CRONOGRAMA DE PAGOS:
PERIODO DEUDA AMORTIZ. INTERES CUOTA SEGURO PORTES
0 88,000.00
1 88,000.00 S/. 2,128.27 634.24 S/. 2,762.52 66.00 10.00
2 85,871.73 S/. 2,143.61 618.91 S/. 2,762.52 66.00 10.00
3 83,728.12 S/. 2,159.06 603.46 S/. 2,762.52 66.00 10.00
4 81,569.06 S/. 2,174.62 587.89 S/. 2,762.52 66.00 10.00
5 79,394.43 S/. 2,190.30 572.22 S/. 2,762.52 66.00 10.00
6 77,204.14 S/. 2,206.08 556.44 S/. 2,762.52 66.00 10.00
7 74,998.06 S/. 2,221.98 540.54 S/. 2,762.52 66.00 10.00
8 72,776.08 S/. 2,238.00 524.52 S/. 2,762.52 66.00 10.00
9 70,538.08 S/. 2,254.13 508.39 S/. 2,762.52 66.00 10.00
10 68,283.95 S/. 2,270.37 492.14 S/. 2,762.52 66.00 10.00
11 66,013.58 S/. 2,286.74 475.78 S/. 2,762.52 66.00 10.00
12 63,726.85 S/. 2,303.22 459.30 S/. 2,762.52 66.00 10.00
13 61,423.63 S/. 2,319.82 442.70 S/. 2,762.52 66.00 10.00
14 59,103.81 S/. 2,336.54 425.98 S/. 2,762.52 66.00 10.00
15 56,767.28 S/. 2,353.38 409.14 S/. 2,762.52 66.00 10.00
16 54,413.90 S/. 2,370.34 392.18 S/. 2,762.52 66.00 10.00
17 52,043.56 S/. 2,387.42 375.09 S/. 2,762.52 66.00 10.00
18 49,656.14 S/. 2,404.63 357.89 S/. 2,762.52 66.00 10.00
19 47,251.51 S/. 2,421.96 340.56 S/. 2,762.52 66.00 10.00
20 44,829.55 S/. 2,439.42 323.10 S/. 2,762.52 66.00 10.00
21 42,390.14 S/. 2,457.00 305.52 S/. 2,762.52 66.00 10.00
22 39,933.14 S/. 2,474.71 287.81 S/. 2,762.52 66.00 10.00
23 37,458.43 S/. 2,492.54 269.98 S/. 2,762.52 66.00 10.00
24 34,965.89 S/. 2,510.51 252.01 S/. 2,762.52 66.00 10.00
25 32,455.39 S/. 2,528.60 233.92 S/. 2,762.52 66.00 10.00
26 29,926.79 S/. 2,546.82 215.69 S/. 2,762.52 66.00 10.00
27 27,379.96 S/. 2,565.18 197.34 S/. 2,762.52 66.00 10.00
28 24,814.78 S/. 2,583.67 178.85 S/. 2,762.52 66.00 10.00
29 22,231.11 S/. 2,602.29 160.23 S/. 2,762.52 66.00 10.00
30 19,628.82 S/. 2,621.05 141.47 S/. 2,762.52 66.00 10.00
31 17,007.78 S/. 2,639.94 122.58 S/. 2,762.52 66.00 10.00
32 14,367.84 S/. 2,658.96 103.55 S/. 2,762.52 66.00 10.00
33 11,708.88 S/. 2,678.13 84.39 S/. 2,762.52 66.00 10.00
34 9,030.75 S/. 2,697.43 65.09 S/. 2,762.52 66.00 10.00
35 6,333.32 S/. 2,716.87 45.65 S/. 2,762.52 66.00 10.00
36 3,616.45 S/. 2,736.45 26.06 S/. 2,762.52 66.00 10.00

LIQUIDACION DE OPCION DE COMPRA

LIQUIDACION OPCION COMPRA PORTES SUB TOTAL IGV A CANCELAR


880.00 10.00 890.00 160.20 1,050.20
SUB TOTAL IGV VALOR CANC SALDO
88,000.00
S/. 2,838.52 S/. 510.93 S/. 3,349.45 85,871.73
S/. 2,838.52 S/. 510.93 S/. 3,349.45 83,728.12
S/. 2,838.52 S/. 510.93 S/. 3,349.45 81,569.06
S/. 2,838.52 S/. 510.93 S/. 3,349.45 79,394.43
S/. 2,838.52 S/. 510.93 S/. 3,349.45 77,204.14
S/. 2,838.52 S/. 510.93 S/. 3,349.45 74,998.06
S/. 2,838.52 S/. 510.93 S/. 3,349.45 72,776.08
S/. 2,838.52 S/. 510.93 S/. 3,349.45 70,538.08
S/. 2,838.52 S/. 510.93 S/. 3,349.45 68,283.95
S/. 2,838.52 S/. 510.93 S/. 3,349.45 66,013.58
S/. 2,838.52 S/. 510.93 S/. 3,349.45 63,726.85
S/. 2,838.52 S/. 510.93 S/. 3,349.45 61,423.63
S/. 2,838.52 S/. 510.93 S/. 3,349.45 59,103.81
S/. 2,838.52 S/. 510.93 S/. 3,349.45 56,767.28
S/. 2,838.52 S/. 510.93 S/. 3,349.45 54,413.90
S/. 2,838.52 S/. 510.93 S/. 3,349.45 52,043.56
S/. 2,838.52 S/. 510.93 S/. 3,349.45 49,656.14
S/. 2,838.52 S/. 510.93 S/. 3,349.45 47,251.51
S/. 2,838.52 S/. 510.93 S/. 3,349.45 44,829.55
S/. 2,838.52 S/. 510.93 S/. 3,349.45 42,390.14
S/. 2,838.52 S/. 510.93 S/. 3,349.45 39,933.14
S/. 2,838.52 S/. 510.93 S/. 3,349.45 37,458.43
S/. 2,838.52 S/. 510.93 S/. 3,349.45 34,965.89
S/. 2,838.52 S/. 510.93 S/. 3,349.45 32,455.39
S/. 2,838.52 S/. 510.93 S/. 3,349.45 29,926.79
S/. 2,838.52 S/. 510.93 S/. 3,349.45 27,379.96
S/. 2,838.52 S/. 510.93 S/. 3,349.45 24,814.78
S/. 2,838.52 S/. 510.93 S/. 3,349.45 22,231.11
S/. 2,838.52 S/. 510.93 S/. 3,349.45 19,628.82
S/. 2,838.52 S/. 510.93 S/. 3,349.45 17,007.78
S/. 2,838.52 S/. 510.93 S/. 3,349.45 14,367.84
S/. 2,838.52 S/. 510.93 S/. 3,349.45 11,708.88
S/. 2,838.52 S/. 510.93 S/. 3,349.45 9,030.75
S/. 2,838.52 S/. 510.93 S/. 3,349.45 6,333.32
S/. 2,838.52 S/. 510.93 S/. 3,349.45 3,616.45
S/. 2,838.52 S/. 510.93 S/. 3,349.45 880.00