Plantilla para calcular intereses de un préstamo

Autor: CPC Roger Hernandez Romero, Lima Perú Marzo 2020

Formulas: Según publicacion del BBVA en el siguiente enlace:
https://www.bbva.pe/fbin/mult/formula-para-la-liquidacion-de-intereses-prestamos-hipotecarios_tcm1105-424085.pdf

PRESTAMO A 18 MESES
IMPORTE 150,000.00
TASA EFECTIVA ANUAL (TEA) 13.70
PLAZO 18 MESES
FECHA DE DESEMBOLSO 6/28/2019
SEGURO 56.50

Cronograma de pagos
Factor(para
Días Factor de
Cuota Nº Vencimiento cálculo de Dias Mes
acumulados Intereses
cuota)
0 6/28/2019
1 7/30/2019 32 0.98865214796 32 0.011478104
2 8/28/2019 61 0.97847942745 29 0.010396458
3 9/30/2019 94 0.96703083673 33 0.011838910
4 10/28/2019 122 0.95742198994 28 0.010036167
5 11/28/2019 153 0.94689495466 31 0.011117427
6 12/30/2019 185 0.93614973082 32 0.011478104
7 1/28/2020 214 0.92651723309 29 0.010396458
8 2/28/2020 245 0.91633000144 31 0.011117427
9 3/30/2020 276 0.90625478032 31 0.011117427
10 4/28/2020 305 0.89692988621 29 0.010396458
11 5/28/2020 335 0.88738440030 30 0.010756878
12 6/30/2020 368 0.87700165691 33 0.011838910
13 7/30/2020 398 0.86766825517 30 0.010756878
14 8/28/2020 427 0.85874039650 29 0.010396458
15 9/28/2020 458 0.84929838394 31 0.011117427
16 10/28/2020 488 0.84025981149 30 0.010756878
17 11/30/2020 521 0.83042844416 33 0.011838910
18 12/28/2020 549 0.82217693925 28 0.010036167
Factor total 16.25361927634
s-hipotecarios_tcm1105-424085.pdf 3 Formula para el interés

Préstamo
Cuota =
1 Factor de Actualización

1
Factor de Act.=
2 (1+(i))^(dias/360)

ronograma de pagos

Saldo Capital Amortización Intereses Totla Cuota Seguro Total a pagar

150,000.00
142,493.00 7,507.00 1,721.72 9,228.71 56.50 9,285.21
134,745.71 7,747.29 1,481.42 9,228.71 56.50 9,285.21
127,112.24 7,633.47 1,595.24 9,228.71 56.50 9,285.21
119,159.24 7,952.99 1,275.72 9,228.71 56.50 9,285.21
111,255.28 7,903.97 1,324.74 9,228.71 56.50 9,285.21
103,303.56 7,951.71 1,277.00 9,228.71 56.50 9,285.21
95,148.84 8,154.72 1,073.99 9,228.71 56.50 9,285.21
86,977.94 8,170.90 1,057.81 9,228.71 56.50 9,285.21
78,716.19 8,261.74 966.97 9,228.71 56.50 9,285.21
70,305.85 8,410.34 818.37 9,228.71 56.50 9,285.21
61,833.41 8,472.44 756.27 9,228.71 56.50 9,285.21
53,336.73 8,496.67 732.04 9,228.71 56.50 9,285.21
44,681.75 8,654.98 573.74 9,228.71 56.50 9,285.21
35,917.57 8,764.18 464.53 9,228.71 56.50 9,285.21
27,088.17 8,829.40 399.31 9,228.71 56.50 9,285.21
18,150.84 8,937.33 291.38 9,228.71 56.50 9,285.21
9,137.01 9,013.83 214.89 9,228.71 56.50 9,285.21
0.00 9,137.01 91.70 9,228.71 56.50 9,285.21
150,000.00 16,116.85 166,116.85 1,017.00 167,133.85