Documentos de Académico
Documentos de Profesional
Documentos de Cultura
Es importante establecer desde el inicio una buena base financiera, lo que conlleva a
seleccionar una buena entidad financiera, la cual fue un papel muy importante debido a
que permitirá controlar nuestras finanzas ya sea en el ámbito personal y/o empresarial.
Realizar una buena selección, traduce en realizar un análisis comparativo y adecuado de las
entidades financieras con el fin de escoger la que ofrezca menores tasas de intereses y/o
beneficios que ayuden a suplir las necesidades requeridas a nivel personal o empresarial.
SIMULADOR CRÉDITO PERSONAL
MONTO $60.000.000,00
INTERES
$ FINANCIERO $0,00 NOMINAL ANUAL 25,7363%
INTERES MENSUAL
# PLAZO 60 NOMINAL 2,14%
TIPO PLAZO MENSUAL
TASA MENSUAL NOMINAL 2,14% SEGURO 2,86950%
EFECTIVA ANUAL 29,00%
TQ 1,07%
TASA DIARIA 0,07%
SEGURO 1.721.700
V CUOTA $1.787.073,23
V INTERES $47.224.393,67
CUOTA
Nª CUOTA FECHA DÍAS CAPITAL INTERESES SIN SEGURO SEGURO CUOTA TOTAL SALDO
# 2019-10-20 $60.000.000,00
1 2019-11-19 30 $500.258 $1.286.815 $1.787.073 $28.695 $1.815.768 $59.499.742
2 2019-12-19 60 $510.987 $1.276.086 $1.787.073 $28.695 $1.815.768 $58.988.755
3 2020-01-18 90 $521.946 $1.265.127 $1.787.073 $28.695 $1.815.768 $58.466.808
4 2020-02-17 120 $533.140 $1.253.933 $1.787.073 $28.695 $1.815.768 $57.933.668
5 2020-03-18 150 $544.575 $1.242.499 $1.787.073 $28.695 $1.815.768 $57.389.093
6 2020-04-17 180 $556.254 $1.230.819 $1.787.073 $28.695 $1.815.768 $56.832.839
7 2020-05-17 210 $568.184 $1.218.889 $1.787.073 $28.695 $1.815.768 $56.264.655
8 2020-06-16 240 $580.370 $1.206.703 $1.787.073 $28.695 $1.815.768 $55.684.285
9 2020-07-16 270 $592.817 $1.194.256 $1.787.073 $28.695 $1.815.768 $55.091.468
10 2020-08-15 300 $605.531 $1.181.542 $1.787.073 $28.695 $1.815.768 $54.485.937
11 2020-09-14 330 $618.518 $1.168.555 $1.787.073 $28.695 $1.815.768 $53.867.419
12 2020-10-14 360 $631.783 $1.155.290 $1.787.073 $28.695 $1.815.768 $53.235.636
13 2020-11-13 390 $645.333 $1.141.740 $1.787.073 $28.695 $1.815.768 $52.590.303
14 2020-12-13 420 $659.173 $1.127.900 $1.787.073 $28.695 $1.815.768 $51.931.129
15 2021-01-12 450 $673.311 $1.113.763 $1.787.073 $28.695 $1.815.768 $51.257.819
16 2021-02-11 480 $687.751 $1.099.322 $1.787.073 $28.695 $1.815.768 $50.570.068
17 2021-03-13 510 $702.501 $1.084.572 $1.787.073 $28.695 $1.815.768 $49.867.567
18 2021-04-12 540 $717.568 $1.069.506 $1.787.073 $28.695 $1.815.768 $49.149.999
19 2021-05-12 570 $732.957 $1.054.116 $1.787.073 $28.695 $1.815.768 $48.417.042
20 2021-06-11 600 $748.677 $1.038.396 $1.787.073 $28.695 $1.815.768 $47.668.365
21 2021-07-11 630 $764.734 $1.022.339 $1.787.073 $28.695 $1.815.768 $46.903.631
22 2021-08-10 660 $781.135 $1.005.938 $1.787.073 $28.695 $1.815.768 $46.122.496
23 2021-09-09 690 $797.888 $989.185 $1.787.073 $28.695 $1.815.768 $45.324.608
24 2021-10-09 720 $815.000 $972.073 $1.787.073 $28.695 $1.815.768 $44.509.608
25 2021-11-08 750 $832.479 $954.594 $1.787.073 $28.695 $1.815.768 $43.677.128
26 2021-12-08 780 $850.333 $936.740 $1.787.073 $28.695 $1.815.768 $42.826.795
27 2022-01-07 810 $868.571 $918.503 $1.787.073 $28.695 $1.815.768 $41.958.224
28 2022-02-06 840 $887.199 $899.875 $1.787.073 $28.695 $1.815.768 $41.071.026
29 2022-03-08 870 $906.226 $880.847 $1.787.073 $28.695 $1.815.768 $40.164.799
30 2022-04-07 900 $925.662 $861.411 $1.787.073 $28.695 $1.815.768 $39.239.137
31 2022-05-07 930 $945.515 $841.559 $1.787.073 $28.695 $1.815.768 $38.293.623
32 2022-06-06 960 $965.793 $821.280 $1.787.073 $28.695 $1.815.768 $37.327.829
33 2022-07-06 990 $986.506 $800.567 $1.787.073 $28.695 $1.815.768 $36.341.323
34 2022-08-05 1020 $1.007.664 $779.409 $1.787.073 $28.695 $1.815.768 $35.333.659
35 2022-09-04 1050 $1.029.275 $757.798 $1.787.073 $28.695 $1.815.768 $34.304.384
36 2022-10-04 1080 $1.051.350 $735.723 $1.787.073 $28.695 $1.815.768 $33.253.034
37 2022-11-03 1110 $1.073.898 $713.175 $1.787.073 $28.695 $1.815.768 $32.179.136
38 2022-12-03 1140 $1.096.930 $690.143 $1.787.073 $28.695 $1.815.768 $31.082.206
39 2023-01-02 1170 $1.120.456 $666.617 $1.787.073 $28.695 $1.815.768 $29.961.750
40 2023-02-01 1200 $1.144.486 $642.587 $1.787.073 $28.695 $1.815.768 $28.817.264
41 2023-03-03 1230 $1.169.032 $618.041 $1.787.073 $28.695 $1.815.768 $27.648.232
42 2023-04-02 1260 $1.194.104 $592.969 $1.787.073 $28.695 $1.815.768 $26.454.128
43 2023-05-02 1290 $1.219.714 $567.359 $1.787.073 $28.695 $1.815.768 $25.234.415
44 2023-06-01 1320 $1.245.873 $541.200 $1.787.073 $28.695 $1.815.768 $23.988.542
45 2023-07-01 1350 $1.272.593 $514.480 $1.787.073 $28.695 $1.815.768 $22.715.949
46 2023-07-31 1380 $1.299.886 $487.187 $1.787.073 $28.695 $1.815.768 $21.416.063
47 2023-08-30 1410 $1.327.765 $459.309 $1.787.073 $28.695 $1.815.768 $20.088.298
48 2023-09-29 1440 $1.356.241 $430.832 $1.787.073 $28.695 $1.815.768 $18.732.057
49 2023-10-29 1470 $1.385.328 $401.745 $1.787.073 $28.695 $1.815.768 $17.346.728
50 2023-11-28 1500 $1.415.039 $372.034 $1.787.073 $28.695 $1.815.768 $15.931.689
51 2023-12-28 1530 $1.445.388 $341.686 $1.787.073 $28.695 $1.815.768 $14.486.301
52 2024-01-27 1560 $1.476.387 $310.686 $1.787.073 $28.695 $1.815.768 $13.009.915
53 2024-02-26 1590 $1.508.051 $279.023 $1.787.073 $28.695 $1.815.768 $11.501.864
54 2024-03-27 1620 $1.540.394 $246.680 $1.787.073 $28.695 $1.815.768 $9.961.470
55 2024-04-26 1650 $1.573.430 $213.643 $1.787.073 $28.695 $1.815.768 $8.388.040
56 2024-05-26 1680 $1.607.176 $179.898 $1.787.073 $28.695 $1.815.768 $6.780.864
57 2024-06-25 1710 $1.641.645 $145.429 $1.787.073 $28.695 $1.815.768 $5.139.220
58 2024-07-25 1740 $1.676.853 $110.220 $1.787.073 $28.695 $1.815.768 $3.462.367
59 2024-08-24 1770 $1.712.816 $74.257 $1.787.073 $28.695 $1.815.768 $1.749.551
60 2024-09-23 1800 $1.749.551 $37.522 $1.787.073 $28.695 $1.815.768 $0
SIMULADOR CRÉDITO HIPOTECARIO
INTERES MENSUAL
PLAZO 60 NOMINAL 1,02%
TIPO PLAZO MENSUAL
TASA MENSUAL NOMINAL 1,02% SEGURO INCENDIO 3,5%
EFECTIVA ANUAL 13,00% SEGURO DE VIDA 3,8%
TQ 0,51%
TASA DIARIA 0,03%
SEGURO $2.093.400
V CUOTA $1.343.172
V INTERES $20.590.318 CUOTA FIJA TOTAL CAPITAL E INTERESES
SEGURO
CUOTA INCENDIO Y SEGURO
Nª CUOTA FECHA DÍAS CAPITAL INTERESES SIN SEGURO TERREMOTO DE VIDA CUOTA TOTAL SALDO
# 2019-10-20 $60.000.000,00
1 2019-11-19 30 $729.172 $614.000 $1.343.172 $34.890 $22.985 $1.401.047 $59.270.828
2 2019-12-19 60 $736.634 $606.538 $1.343.172 $34.890 $22.705 $1.400.767 $58.534.194
3 2020-01-18 90 $744.172 $599.000 $1.343.172 $34.890 $22.423 $1.400.485 $57.790.022
4 2020-02-17 120 $751.787 $591.385 $1.343.172 $34.890 $22.138 $1.400.200 $57.038.235
5 2020-03-18 150 $759.481 $583.691 $1.343.172 $34.890 $21.850 $1.399.912 $56.278.754
6 2020-04-17 180 $767.253 $575.919 $1.343.172 $34.890 $21.559 $1.399.621 $55.511.501
7 2020-05-17 210 $775.104 $568.068 $1.343.172 $34.890 $21.265 $1.399.327 $54.736.397
8 2020-06-16 240 $783.036 $560.136 $1.343.172 $34.890 $20.968 $1.399.030 $53.953.361
9 2020-07-16 270 $791.049 $552.123 $1.343.172 $34.890 $20.668 $1.398.730 $53.162.312
10 2020-08-15 300 $799.144 $544.028 $1.343.172 $34.890 $20.365 $1.398.427 $52.363.167
11 2020-09-14 330 $807.322 $535.850 $1.343.172 $34.890 $20.059 $1.398.121 $51.555.845
12 2020-10-14 360 $815.584 $527.588 $1.343.172 $34.890 $19.750 $1.397.812 $50.740.261
13 2020-11-13 390 $823.930 $519.242 $1.343.172 $34.890 $19.438 $1.397.500 $49.916.331
14 2020-12-13 420 $832.362 $510.810 $1.343.172 $34.890 $19.122 $1.397.184 $49.083.970
15 2021-01-12 450 $840.879 $502.293 $1.343.172 $34.890 $18.803 $1.396.865 $48.243.090
16 2021-02-11 480 $849.484 $493.688 $1.343.172 $34.890 $18.481 $1.396.543 $47.393.606
17 2021-03-13 510 $858.177 $484.995 $1.343.172 $34.890 $18.156 $1.396.218 $46.535.429
18 2021-04-12 540 $866.959 $476.213 $1.343.172 $34.890 $17.827 $1.395.889 $45.668.469
19 2021-05-12 570 $875.831 $467.341 $1.343.172 $34.890 $17.495 $1.395.557 $44.792.638
20 2021-06-11 600 $884.794 $458.378 $1.343.172 $34.890 $17.159 $1.395.221 $43.907.844
21 2021-07-11 630 $893.848 $449.324 $1.343.172 $34.890 $16.820 $1.394.882 $43.013.996
22 2021-08-10 660 $902.995 $440.177 $1.343.172 $34.890 $16.478 $1.394.540 $42.111.000
23 2021-09-09 690 $912.236 $430.936 $1.343.172 $34.890 $16.132 $1.394.194 $41.198.764
24 2021-10-09 720 $921.571 $421.601 $1.343.172 $34.890 $15.782 $1.393.844 $40.277.193
25 2021-11-08 750 $931.002 $412.170 $1.343.172 $34.890 $15.429 $1.393.491 $39.346.191
26 2021-12-08 780 $940.529 $402.643 $1.343.172 $34.890 $15.073 $1.393.135 $38.405.662
27 2022-01-07 810 $950.154 $393.018 $1.343.172 $34.890 $14.712 $1.392.774 $37.455.508
28 2022-02-06 840 $959.877 $383.295 $1.343.172 $34.890 $14.348 $1.392.410 $36.495.630
29 2022-03-08 870 $969.700 $373.472 $1.343.172 $34.890 $13.981 $1.392.043 $35.525.930
30 2022-04-07 900 $979.623 $363.549 $1.343.172 $34.890 $13.609 $1.391.671 $34.546.307
31 2022-05-07 930 $989.648 $353.524 $1.343.172 $34.890 $13.234 $1.391.296 $33.556.659
32 2022-06-06 960 $999.775 $343.396 $1.343.172 $34.890 $12.855 $1.390.917 $32.556.883
33 2022-07-06 990 $1.010.007 $333.165 $1.343.172 $34.890 $12.472 $1.390.534 $31.546.877
34 2022-08-05 1020 $1.020.342 $322.830 $1.343.172 $34.890 $12.085 $1.390.147 $30.526.535
35 2022-09-04 1050 $1.030.784 $312.388 $1.343.172 $34.890 $11.694 $1.389.756 $29.495.751
36 2022-10-04 1080 $1.041.332 $301.840 $1.343.172 $34.890 $11.299 $1.389.361 $28.454.419
37 2022-11-03 1110 $1.051.988 $291.184 $1.343.172 $34.890 $10.900 $1.388.962 $27.402.430
38 2022-12-03 1140 $1.062.754 $280.418 $1.343.172 $34.890 $10.497 $1.388.559 $26.339.677
39 2023-01-02 1170 $1.073.629 $269.543 $1.343.172 $34.890 $10.090 $1.388.152 $25.266.047
40 2023-02-01 1200 $1.084.616 $258.556 $1.343.172 $34.890 $9.679 $1.387.741 $24.181.431
41 2023-03-03 1230 $1.095.715 $247.457 $1.343.172 $34.890 $9.263 $1.387.325 $23.085.716
42 2023-04-02 1260 $1.106.928 $236.244 $1.343.172 $34.890 $8.844 $1.386.906 $21.978.788
43 2023-05-02 1290 $1.118.256 $224.916 $1.343.172 $34.890 $8.420 $1.386.482 $20.860.532
44 2023-06-01 1320 $1.129.699 $213.473 $1.343.172 $34.890 $7.991 $1.386.053 $19.730.833
45 2023-07-01 1350 $1.141.260 $201.912 $1.343.172 $34.890 $7.558 $1.385.620 $18.589.573
46 2023-07-31 1380 $1.152.939 $190.233 $1.343.172 $34.890 $7.121 $1.385.183 $17.436.634
47 2023-08-30 1410 $1.164.737 $178.435 $1.343.172 $34.890 $6.680 $1.384.742 $16.271.897
48 2023-09-29 1440 $1.176.656 $166.516 $1.343.172 $34.890 $6.233 $1.384.295 $15.095.241
49 2023-10-29 1470 $1.188.697 $154.475 $1.343.172 $34.890 $5.783 $1.383.845 $13.906.544
50 2023-11-28 1500 $1.200.862 $142.310 $1.343.172 $34.890 $5.327 $1.383.389 $12.705.682
51 2023-12-28 1530 $1.213.150 $130.021 $1.343.172 $34.890 $4.867 $1.382.929 $11.492.532
52 2024-01-27 1560 $1.225.565 $117.607 $1.343.172 $34.890 $4.403 $1.382.465 $10.266.967
53 2024-02-26 1590 $1.238.107 $105.065 $1.343.172 $34.890 $3.933 $1.381.995 $9.028.860
54 2024-03-27 1620 $1.250.777 $92.395 $1.343.172 $34.890 $3.459 $1.381.521 $7.778.083
55 2024-04-26 1650 $1.263.576 $79.596 $1.343.172 $34.890 $2.980 $1.381.042 $6.514.507
56 2024-05-26 1680 $1.276.507 $66.665 $1.343.172 $34.890 $2.496 $1.380.558 $5.238.000
57 2024-06-25 1710 $1.289.570 $53.602 $1.343.172 $34.890 $2.007 $1.380.069 $3.948.430
58 2024-07-25 1740 $1.302.766 $40.406 $1.343.172 $34.890 $1.513 $1.379.575 $2.645.664
59 2024-08-24 1770 $1.316.098 $27.074 $1.343.172 $34.890 $1.014 $1.379.075 $1.329.566
60 2024-09-23 1800 $1.329.566 $13.606 $1.343.172 $34.890 $509 $1.378.571 $0
Comparativo Créditos
Desventajas Desventajas
La tasa de interés efectiva anual es El inmueble es puesto en garantía
mucho más alta que la del crédito para que se cancele la última cuota.
hipotecario. Se debe tener estabilidad laboral y
Si no se le da el uso adecuado en económica para cumplir con la
lugar de ser una inversión, obligación que en su mayoría tiene
constituirá un gasto. una vigencia entre 15 y 30 años
Si hay retrasos en los pagos, los
intereses por mora cobrados son
altos.
Los trámites son más demorados y
hay más requisitos que cumplir para
que lo otorguen