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SESIÓN 15
CRONOGRAMA DE PAGOS
1 VARIACION DE TASAS
2 Fechas fijas
3 Cuotas Dobles
4 Cuota By Pass
5 Cuota Comodines
6 Consumo
7 Hipotecario ó Vehicular
8 TCEA
PROF. JOSE LEON
CUOTAS CONSTANTES CON CAMBIO DE TASA REGRESAR
Capital 45000.00
Moneda Nuevos Soles Variación de tasa
TEA1 12.00% TEA2
Plazo 12 meses A partir del
Tipo de cuota Constante Saldo deudor
TEM1 0.95% TEM2
Cuota1 3985.29 Cuota2
Fecha de desembolso 12/5/2015
Forma de pago cada 30 días
Fecha de
Periodo Amortización Interés Cuota Saldo
pago
0 12/5/2015 45000.00
1 1/4/2016 3558.30 427.00 3985.29 41441.70
2 2/3/2016 3592.06 393.23 3985.29 37849.64
3 3/4/2016 3626.15 359.15 3985.29 34223.50
4 4/3/2016 3660.55 324.74 3985.29 30562.94
5 5/3/2016 3695.29 290.01 3985.29 26867.65
6 6/2/2016 3730.35 254.94 3985.29 23137.30
7 7/2/2016 3765.75 219.55 3985.29 19371.56
8 8/1/2016 3801.48 183.81 3985.29 15570.08
9 8/31/2016 3837.55 147.74 3985.29 11732.52
10 9/30/2016 3873.97 111.33 3985.29 7858.56
11 10/30/2016 3910.72 74.57 3985.29 3947.83
12 11/29/2016 3947.83 37.46 3985.29 0.00
Totales 45000.00 2823.52 47823.52
REGRESAR
ión de tasa
18.00%
8 mes
A partir del: 5
0.0221045 Saldo Deudo8344.2847
1149.4314 TEM 0.0284362
Cuota2 1180.8677
CRONOGRAMA DE PAGOS - FECHA FIJAS
0 5/15/2010
31 1 6/15/2010 -548.39 548.39
30 2 7/15/2010 -542.63 542.63
31 3 8/15/2010 -573.32 573.32
31 4 9/15/2010 -586.42 586.42
30 5 10/15/2010 -580.26 580.26
31 6 11/15/2010 -613.08 613.08
30 7 12/15/2010 -606.64 606.64
31 8 1/15/2011 -640.95 640.95
31 9 2/15/2011 -655.59 655.59
28 10 3/15/2011 -605.02 605.02
31 11 4/15/2011 -684.40 684.40
30 12 5/15/2011 -677.21 677.21
Totales -7313.90 7313.90
REGRESAR
S - FECHA FIJAS
24000.00
0.00 24548.39
0.00 25091.02
0.00 25664.34
0.00 26250.76
0.00 26831.02
0.00 27444.10
0.00 28050.73
0.00 28691.68
0.00 29347.28
0.00 29952.29
0.00 30636.69
0.00 31313.90
0.00
CRONOGRAMA DE PAGOS - CUOTAS DOBLES
Fecha de
DIAS Período Amortización Intereses Cuota
pago
0 5/15/2010
31 1 6/15/2010 -548.39 548.39 0.00
30 2 7/15/2010 -542.63 542.63 0.00
31 3 8/15/2010 -573.32 573.32 0.00
31 4 9/15/2010 -586.42 586.42 0.00
30 5 10/15/2010 -580.26 580.26 0.00
31 6 11/15/2010 -613.08 613.08 0.00
30 7 12/15/2010 -606.64 606.64 0.00
31 8 1/15/2011 -640.95 640.95 0.00
31 9 2/15/2011 -655.59 655.59 0.00
28 10 3/15/2011 -605.02 605.02 0.00
31 11 4/15/2011 -684.40 684.40 0.00
30 12 5/15/2011 -677.21 677.21 0.00
Totales -7313.90 7313.90 0.00
BLES REGRESAR
0.0007290552552
5/15/2010
7
Saldo de capital
24000.00
24548.39
25091.02
25664.34
26250.76
26831.02
27444.10
28050.73
28691.68
29347.28
29952.29
30636.69
31313.90
CRONOGRAMA DE PAGOS - CUOTAS BY PASS
Fecha de
DIAS Período Amortización Intereses Cuota
pago
0 5/15/2010
31 1 6/15/2010 -548.39 548.39 0.00
30 2 7/15/2010 -542.63 542.63 0.00
31 3 8/15/2010 -573.32 573.32 0.00
31 4 9/15/2010 -586.42 586.42 0.00
30 5 10/15/2010 -580.26 580.26 0.00
31 6 11/15/2010 -613.08 613.08 0.00
30 7 12/15/2010 -606.64 606.64 0.00
31 8 1/15/2011 -640.95 640.95 0.00
31 9 2/15/2011 -655.59 655.59 0.00
28 10 3/15/2011 -605.02 605.02 0.00
31 11 4/15/2011 -684.40 684.40 0.00
30 12 5/15/2011 -677.21 677.21 0.00
Totales -7313.90 7313.90 0.00
PASS REGRESAR
0.0007290552552
5/15/2010
7
Saldo de capital
24000.00
24548.39
25091.02
25664.34
26250.76
26831.02
27444.10
28050.73
28691.68
29347.28
29952.29
30636.69
31313.90
CRONOGRAMA DE PAGOS - CUOTAS COMODINES
Fecha de
DIAS Período Amortización Intereses Cuota
pago
0 5/15/2010
31 1 6/15/2010 -548.39 548.39 0.00
30 2 7/15/2010 -542.63 542.63 0.00
31 3 8/15/2010 -573.32 573.32 0.00
31 4 9/15/2010 -586.42 586.42 0.00
30 5 10/15/2010 -580.26 580.26 0.00
31 6 11/15/2010 -613.08 613.08 0.00
30 7 12/15/2010 -606.64 606.64 0.00
31 8 1/15/2011 -640.95 640.95 0.00
31 9 2/15/2011 -655.59 655.59 0.00
28 10 3/15/2011 -605.02 605.02 0.00
31 11 4/15/2011 -684.40 684.40 0.00
30 12 5/15/2011 -677.21 677.21 0.00
Totales -7313.90 7313.90 0.00
ODINES REGRESAR
0.0007290552552
5/15/2010
7
1000.00
Saldo de capital
24000.00
24548.39
25091.02
25664.34
26250.76
26831.02
27444.10
28050.73
28691.68
29347.28
29952.29
30636.69
31313.90
CRONOGRAMA DE PAGOS - PRÉSTAMO DE CONSUMO
Cuota TOTAL
TAMO DE CONSUMO REGRESAR
DE PAGO MENSUAL
9.50%
esgravamen 0.0150%
5.00
CRONOGRAMA DE PAGOS - PRÉSTAMO HIPOTECARIO ó
Cuota Total
POTECARIO ó VEHICULAR REGRESAR
CALCULO DE LA TEA REGRESAR
CEM
CEA
REGRESAR
ÉSTAMO DE CONSUMO
PERIODOS IMPORTES
0
1
2
3
4
5
6
7
8
9
10
11
12