Dato

Moneda Soles
Importe 12,000
TCEA 9.37%
Desgravamen 0.09% mensual

TCEM 0.764% TCEM= (1+TCEA)^31/365 -1

TCEM hallado 0.759%
TCEM calculado 0.759%
Dias 30.8

A
Desgra
Cuota 1050.05

TEM 0.67% TCEM= TEM+DESGRAVAMEN

TEA 8.39%

Seguro
Periodo Fecha Saldo Interés Desgravamen

10/13/2018 S/. 12,000.00 S/. - S/. -

1 11/13/2018 S/. 12,000.00 S/. 81.91 S/. 10.80
2 12/13/2018 S/. 11,042.66 S/. 72.89 S/. 9.94
3 1/13/2019 S/. 10,075.44 S/. 68.78 S/. 9.07
4 2/13/2019 S/. 9,103.24 S/. 62.14 S/. 8.19
5 3/13/2019 S/. 8,123.52 S/. 50.09 S/. 7.31
6 4/13/2019 S/. 7,130.87 S/. 48.68 S/. 6.42
7 5/13/2019 S/. 6,135.92 S/. 40.50 S/. 5.52
8 6/13/2019 S/. 5,131.89 S/. 35.03 S/. 4.62
9 7/13/2019 S/. 4,121.49 S/. 27.21 S/. 3.71
10 8/13/2019 S/. 3,102.36 S/. 21.18 S/. 2.79
11 9/13/2019 S/. 2,076.28 S/. 14.17 S/. 1.87
12 10/13/2019 S/. 1,042.27 S/. 6.88 S/. 0.94

Totales a pagar S/.529.46 S/.71.18

12,000

1 12 MES

n = 12-1+1=12

A
En t=0

12,000 = A * (( 〖 (𝟏+𝟎.𝟕𝟔𝟒%) 〗 ^𝟏𝟐

−𝟏)/(𝟎.𝟕𝟔𝟒% ∗
〖 (𝟏+𝟎.𝟕𝟔𝟒%) 〗 ^𝟏𝟐 ))
A= S/.1,050.05

Envío Físico de Evaluación de Seguro de Cuota con

Amortización Estado de Cuenta Póliza Protección comisión
Endosada Financiera
S/. - S/.0 S/.0 S/.0 S/. -
S/. 957.34 S/.0 S/.0 S/.0 S/.1,050.05
S/. 967.22 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 972.21 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 979.72 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 992.65 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 994.96 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 1,004.03 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 1,010.40 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 1,019.14 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 1,026.08 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 1,034.01 S/.0 S/.0 S/.0 S/. 1,050.05
S/. 1,042.23 S/.0 S/.0 S/.0 S/. 1,050.05

S/.12,000 S/.0.00 S/.0.00 S/.0.00 S/. 12,600.60

 Tabla 2

Periodo Dias TEM- calculado TEM-hallado

1 30.400 0.00683 0.683%
2 29.400 0.00660 0.660%
3 30.400 0.00683 0.683%
4 30.400 0.00683 0.683%
5 27.470 0.00617 0.617%
6 30.400 0.00683 0.683%
7 29.400 0.00660 0.660%
8 30.400 0.00683 0.683%
9 29.400 0.00660 0.660%
10 30.400 0.00683 0.683%
11 30.400 0.00683 0.683%
12 29.400 0.00660 0.660%
Cálculo de la TCEA 4

𝑖𝑎 = (1 + 𝑖𝑡 ) 𝑘 − 1

Donde: 𝑖𝑎 : Tasa del costo efectivo anual (TCEA) 𝑖𝑡 : Tasa Interna de Retorno (TIR) k : Número de cuotas

Tasa Interna de Retorno (mensual)

Corresponde a la tasa de costo efectiva mensual (TCEM). Se considera el monto del crédito y las cuotas de cada per

M = Cuota 1 (1 + it ) 1 + Cuota 2 (1 + it ) 2 + ⋯ + Cuota n (1 + it ) n

Donde: M : Monto desembolsado Cuota : Cuota de cada periodo it : TIR o TCEM n : Número de cuotas
 12,000 = 1049.36 *
−1)/(𝑇𝐸𝑀 ∗ 〖 (
torno (TIR) k : Número de cuotas en un año

crédito y las cuotas de cada periodo.

R o TCEM n : Número de cuotas

# Fecha

1 11/13/2018
2 12/13/2018
3 1/13/2019
4 2/13/2019
5 3/13/2019
6 4/13/2019
7 5/13/2019
8 6/13/2019
9 7/13/2019
10 8/13/2019
11 9/13/2019
12 10/13/2019
 12,000.00
12,000 = 1049.36 * (( 〖 (1+𝑇𝐸𝑀) 〗 ^12 - 1,050.05
- 1,050.05
−1)/(𝑇𝐸𝑀 ∗ 〖 (1+𝑇𝐸𝑀) 〗 ^12 ))
- 1,050.05
- 1,050.05
- 1,050.05
- 1,050.05
0.6736% - 1,050.05
- 1,050.05
0.763% - 1,050.05
- 1,050.05
- 1,050.05
- 1,050.05

Seguro Envío Físico Evaluación Seguro de

Saldo inicial Interés Desgravame Amortizació de Estado de Póliza Protección
n
n de Cuenta Endosada Financiera
12,000.00 80.83 10.80 958.42 - - -
11,041.58 74.38 9.94 965.74 - - -
10,075.85 67.87 9.07 973.11 - - -
9,102.74 61.32 8.19 980.54 - - -
8,122.19 54.71 7.31 988.03 - - -
7,134.17 48.06 6.42 995.57 - - -
6,138.59 41.35 5.52 1,003.18 - - -
5,135.42 34.59 4.62 1,010.84 - - -
4,124.58 27.78 3.71 1,018.55 - - -
3,106.03 20.92 2.80 1,026.33 - - -
2,079.69 14.01 1.87 1,034.17 - - -
1,045.52 7.04 0.94 1,042.07 - - -

11,996.54
 tir
0.759%

9.50%

Cuota saldo final

1,050.05 11,041.58
1,050.05 10,075.85
1,050.05 9,102.74
1,050.05 8,122.19
1,050.05 7,134.17
1,050.05 6,138.59
1,050.05 5,135.42
1,050.05 4,124.58
1,050.05 3,106.03
1,050.05 2,079.69
1,050.05 1,045.52
1,050.05 3.46