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INTERÉS COMPUESTO DEL 2.

97% TRIMESTRAL VF1


TEM= 0.009803575827 VF2
R1= 925.36 n1
R2= 744.18 n2
i
VA1
VA2
VA=VA1+VA2

Método Alemán
PRESTAMO 12500
PLAZO 12
TET 3.12%
N° Deuda Amortización Interés
1 12500.00 1041.67 390.28
2 11458.33 1041.67 357.75
3 10416.67 1041.67 325.23
4 9375.00 1041.67 292.71
5 8333.33 1041.67 260.19
6 7291.67 1041.67 227.66
7 6250.00 1041.67 195.14
8 5208.33 1041.67 162.62
9 4166.67 1041.67 130.09
10 3125.00 1041.67 97.57
11 2083.33 1041.67 65.05
12 1041.67 1041.67 32.52

Institución Financiera "A" TES=0.275% TEA= 0.140901605755158


Institución Financiera "B" TNB=2.05% 0.000341666666667 0.031222248821786

A=Deuda/# de cuotas 1041.666666667


I1=ie*D 390.2781102723
C1=A+I 1431.944776939
S1=D-A 11458.33333333

Método Francés
PRESTAMO 21150
PLAZO 6
TEB 2.07%
N° Deuda Amortización Interés
1 21150.00 3346.87 437.97
2 17803.13 3416.18 368.67
3 14386.95 3486.92 297.92
4 10900.02 3559.13 225.72
5 7340.89 3632.83 152.02
6 3708.06 3708.06 76.79
TOTAL 21150.00 1559.09

TNS= 6.15%
TED= 0.000341666667 TET= 0.020707994446494
FRC= 0.178952602332733

C= 3784.847539337
I1=ie*D 437.9740825433
A1=C-I 3346.873456794
S1=D-A 17803.126543206
S/3,756.23
S/5,365.00
4
7
0.009803575826794
S/3,612.47
S/5,010.85
S/8,623.32

Cuota Saldo
1431.94 11458.33
1399.42 10416.67
1366.90 9375.00
1334.38 8333.33
1301.85 7291.67
1269.33 6250.00
1236.81 5208.33
1204.28 4166.67
1171.76 3125.00
1139.24 2083.33
1106.71 1041.67
1074.19 0.00

TET= 0.033503728747
Se escoge el banco B
Cuota Saldo
3784.85 17803.13
3784.85 14386.95
3784.85 10900.02
3784.85 7340.89
3784.85 3708.06
3784.85 0.00
22709.09