PRESENTACIÓN DE DOS CASOS:

MAF BANCO
Financiamiento automotriz
41092.11

INTEGRANTES Codigo EAP

Antay Escobar, Jennyfer 19110485 AUDI
Bardales Calderón, Daniela 19110294 CONT
Carocancha Condori , Gonzalo 19110416 GEST
Heredia Vasquez, Rocío 19110430 GEST
Hernández Cruzado, Natalia 19110042 CONT
Quiñones Mendoza, Danitza 19110344 CONT

CUADRO DE AMORTIZACION MAF

CUADRO DE AMORTIZACION BANCO DE LA NACION
BANCO DE LA NACIÓN
Préstamo Multired
13300.00
MAF (FINANCIAMIENTO AUTOMOTRIZ)
FECHA DE ADQUISION 5/7/2019
VALOR ADQUISICIÓN 45704.89
SUMA ENDOSADA 42447.30
CUOTA INICIAL
6367.10
15%
PAGO EN DOLARES 1783.50
TIPO DE CAMBIO 3.57

VP 41092.11
TEA 31.49%
TCEA 40.37%
N (MENSUALES) 48
TIEMPO 49
AÑOS 4
PAGO vencido
PERIODO DE GRACIA (DIAS) 30
MES BANCARIO 30

APLICANDO FÓRMULAS DEL MAF

MONTO DE FINANCIAMIENTO

TASA DE INTERÉS MENSUAL

TEM CON SEGURO DESGRAVAMEN (TEM_SD)-MENSUAL
CUOTA MENSUAL

DEUDA AMORTIZADA PAGADA LA CM (0)

AMORTIZACIÓN POR PERIODO

MONTO DE INTERÉS (A PAGAR POR PERIODO)

MONTO DE SD POR PERIODO
CUOTA MENSUAL A PAGAR EN PERIODO n

TIEMPO DIFERIDO
 0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
 MONTO QUE INCUYE VALOR DEL VEHÍCULO Y SU PÓLIZA DE SEGURO

SUMA ENDOSADA - CUOTA INICIAL 39337.80

PAGO EN SOLES 6367.10

TED (30 días) 0.07607%

TCEA MENSUAL 2.86624%

TED (34 días)

APLICADA AL PERIODO DE GRACIA

RENTA CALCULADA
RENTA CALCULADA

AS DEL MAF

36511.64

2.30756%
2.36256% 0.07787%
1279.84678

17646.59832

407.607511083093

444.727832755467
10.5999543047226
862.935298143282

n FECHA DE VENCIMIENTO
 0 5/7/2019
1 7/4/2019
2 8/4/2019
3 9/4/2019
4 10/4/2019
5 11/4/2019
6 12/4/2019
7 1/4/2020
8 2/4/2020
9 3/4/2020
10 4/4/2020
11 5/4/2020
12 6/4/2020
13 7/4/2020
14 8/4/2020
15 9/4/2020
16 10/4/2020
17 11/4/2020
18 12/4/2020
19 1/4/2021
20 2/4/2021
21 3/4/2021
22 4/4/2021
23 5/4/2021
24 6/4/2021
25 7/4/2021
26 8/4/2021
27 9/4/2021
28 10/4/2021
29 11/4/2021
30 12/4/2021
31 1/4/2022
32 2/4/2022
33 3/4/2022
34 4/4/2022
35 5/4/2022
36 6/4/2022
37 7/4/2022
38 8/4/2022
39 9/4/2022
40 10/4/2022
41 11/4/2022
42 12/4/2022
43 1/4/2023
44 2/4/2023
45 3/4/2023
46 4/4/2023
47 5/4/2023
48 6/4/2023
49 7/4/2023
 GASTOS NOTARIALES

GASTOS REGISTRALES

COMISIÓN DE SEGURO

TEM 2.30756%

0.06765%
PERIODO DE GRACIA
TEM TCEA MENSUAL
1584.84 1586.42
1584.54
0.30

TEM_SD DIARIA

VALOR DE VEHÍCULO: Suma endosada (de ella sale la cuota inicial)

MONTO A FINANCIAR: Resta de valor de vehículo y cuota inicial

DIAS TRANCURRIDOS DIAS ACUMULADOS SALDO CAPITAL

 41092.11
58 58 41092.11
31 89 40643.65
31 120 40184.53
30 150 39683.27
31 181 39200.71
30 211 38676.19
31 242 38169.05
31 273 37649.52
29 302 37059.35
31 333 36512.74
30 363 35924.68
31 394 35350.36
30 424 34734.82
31 455 34131.46
31 486 33513.38
30 516 32854.41
31 547 32205.15
30 577 31515.25
31 608 30833.30
31 639 30134.70
28 667 29349.47
31 698 28614.65
30 728 27839.87
31 759 27068.20
30 789 26256.86
31 820 25446.55
31 851 24616.45
30 881 23747.15
31 912 22875.58
30 942 21965.12
31 973 21050.04
31 1004 20112.63
28 1032 19105.89
31 1063 18121.02
30 1093 17098.16
31 1124 16064.28
30 1154 14992.80
31 1185 13907.52
31 1216 12795.75
30 1246 11647.00
31 1277 10480.05
30 1307 9276.55
31 1338 8051.74
31 1369 6797.03
28 1397 5495.99
31 1428 4178.89
30 1458 2826.43
31 1489 1444.16
30 1519 1417.12
TOTAL
 431.43 SD ANUAL 0.66200%
SD MENSUAL 0.05500%
147.34 SD DIARIO 0.00183%

1273.46 PRIMA COMERCIAL 5534.53

PRIMA COMERCIAL + IGV 6530.75
Seguro 133.28

ota inicial)

inicial 36080.21

AMORTIZACION INTERESES VALOR DE CUOTA SD MENSUAL

 0.00 52.50 0.00 22.60
448.46 980.20 1428.66 22.60
459.12 969.79 1428.91 22.35
501.26 927.90 1429.16 22.10
482.56 946.87 1429.43 21.83
524.52 905.18 1429.70 21.56
507.15 922.84 1429.99 21.27
519.53 910.74 1430.27 20.99
590.17 840.39 1430.55 20.71
546.61 884.26 1430.88 20.38
588.06 843.12 1431.18 20.08
574.31 857.19 1431.50 19.76
615.54 816.27 1431.82 19.44
603.36 828.80 1432.16 19.10
618.09 814.40 1432.49 18.77
658.97 773.86 1432.83 18.43
649.26 783.93 1433.19 18.07
689.90 743.65 1433.55 17.71
681.95 751.98 1433.93 17.33
698.60 735.70 1434.30 16.96
785.23 649.45 1434.69 16.57
734.82 700.30 1435.12 16.14
774.78 660.74 1435.52 15.74
771.67 664.28 1435.95 15.31
811.34 625.03 1436.37 14.89
810.31 626.51 1436.82 14.44
830.09 607.17 1437.26 14.00
869.30 568.42 1437.72 13.54
871.57 566.62 1438.20 13.06
910.46 528.22 1438.68 12.58
915.08 524.10 1439.18 12.08
937.41 502.27 1439.68 11.58
1006.74 433.46 1440.20 11.06
984.87 455.88 1440.75 10.51
1022.86 418.43 1441.29 9.97
1033.88 407.97 1441.86 9.40
1071.48 370.94 1442.42 8.84
1085.27 357.74 1443.01 8.25
1111.77 331.84 1443.61 7.65
1148.76 295.47 1444.22 7.04
1166.95 277.91 1444.85 6.41
1203.50 241.99 1445.50 5.76
1224.81 221.34 1446.16 5.10
1254.71 192.12 1446.83 4.43
 1301.03 146.49 1447.52 3.74
1317.10 131.14 1448.24 3.02
1352.47 96.49 1448.96 2.30
1382.26 67.44 1449.70 1.55
1417.12 33.35 1450.47 0.79
41065.06 27940.17 69005.24 677.81
 TED

VP
41092.11 #VALUE!

0 1 2 3 4

30 dias
R R R

SEGURO DEUDA PAGADA

133.28 155.88
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
 133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
133.28 1584.54
6530.75 76213.80
 0.07607%

5 #REF! tiempo

R
FÓRMULAS MAF
FÓRMULAS MAF
PRÉSTAMO MULTIRED BANCO DE LA NACIÓN

VP S/13,300.00
TEA 16.00% TED
TCEA 17.88%
N (CUOTAS MENSUALES) 48
AÑOS 4
PAGO vencido

CUOTA MENSUAL 379.344327215499

MES BANCARIO 30

FACTORES DE ACTUALIZACION

1 0.9834
2 0.9701
3 0.9574
4 0.9445
5 0.9317
6 0.9195
7 0.9070
8 0.8952
9 0.8831
10 0.8711
11 0.8604
12 0.8488
13 0.8377
14 0.8264
15 0.8155
16 0.8045
17 0.7936
 18 0.7832
19 0.7726
20 0.7625
21 0.7522
22 0.7420
23 0.7329
24 0.7230
25 0.7135
26 0.7039
27 0.6947
28 0.6853
29 0.6760
30 0.6671
31 0.6581
32 0.6495
33 0.6407
34 0.6321
35 0.6243
36 0.6159
37 0.6078
38 0.5996
39 0.5917
40 0.5837
41 0.5758
42 0.5683
43 0.5606
44 0.5532
45 0.5458
46 0.5384
47 0.5315
48 0.5244
SUMA DE FACT. ACT. 35.0605
 Aplicado a retiro de prést., abono del prést.en cta. de
ahorros, pago de cuota o cancelación en ventanilla
0.04124% TEM 1.2445% ITF
ITF COBRADO x RETIRO
ITF COBRADO x PAGO EN VENT.
TMEA 6% ITF COBRADO x CANCELACIÓN
TMEM 0.4868%
TMED 0.0162%
ENVIO FÍSICO DE
TEA ACTUAL 17% ESTADO DE CUENTA

SEGURO DE CUOTA
PROTEGIDA

DIAS
FECHA DE DIAS
n ACUMULAD AMORTIZACION
VENCIMIENTO TRANSCURRIDOS OS
0 4/11/2016
1 5/19/2016 38 38 155.41
2 6/19/2016 31 69 199.05
3 7/19/2016 30 99 207.54
4 8/19/2016 31 130 204.63
5 9/19/2016 31 161 207.43
6 10/19/2016 30 191 215.76
7 11/19/2016 31 222 213.23
8 12/19/2016 30 252 221.45
9 1/19/2017 31 283 219.19
10 2/19/2017 31 314 222.2
11 3/19/2017 28 342 240.24
12 4/19/2017 31 373 228.55
13 5/19/2017 30 403 236.47
14 6/19/2017 31 434 234.92
15 7/19/2017 30 464 242.73
16 8/19/2017 31 495 241.48
17 9/19/2017 31 526 244.79
18 10/19/2017 30 556 252.4
19 11/19/2017 31 587 251.61
20 12/19/2017 30 617 259.1
21 1/19/2018 31 648 258.62
22 2/19/2018 31 679 262.16
23 3/19/2018 28 707 276.81
24 4/19/2018 31 738 269.55
25 5/19/2018 30 768 276.69
26 6/19/2018 31 799 277.04
27 7/19/2018 30 829 284.04
28 8/19/2018 31 860 284.74
29 9/19/2018 31 891 288.65
30 10/19/2018 30 921 295.42
31 11/19/2018 31 952 296.65
32 12/19/2018 30 982 303.28
33 1/19/2019 31 1013 304.89
34 2/19/2019 31 1044 309.07
35 3/19/2019 28 1072 319.73
36 4/19/2019 31 1103 317.69
37 5/19/2019 30 1133 323.91
38 6/19/2019 31 1164 326.49
39 7/19/2019 30 1194 332.54
40 8/19/2019 31 1225 335.53
41 9/19/2019 31 1256 340.13
42 10/19/2019 30 1286 345.92
43 11/19/2019 31 1317 349.55
44 12/19/2019 30 1347 355.15
45 1/19/2020 31 1378 359.21
46 2/19/2020 31 1409 364.13
47 3/19/2020 29 1438 369.8
48 4/19/2020 31 1469 S/374.20

S/374.43
S/13,300.00
 rést., abono del prést.en cta. de
ota o cancelación en ventanilla SEGUROS MENORES DE 84 AÑOS
0.005% DESGRAVAMEN
0.65 0.665 SDA 0.99572%
0.018967 SDM 0.08260%
0.018967 SDD 0.00275%

CUOTA PROTEGIDA
S/ 30.00 SCPA 1.16100%
SCPM 0.09624%
SCPD 0.00321%
154.42
154.413

SEGURO
SALDO
INTERESES DESGRAVA CUOTA PÉRD. POR REDONDEO
MEN DEUDOR

13300
210.01 13.92 S/379.34 ### 13144.59
169.07 11.22 S/379.34 0.00432722 12945.54
161.11 10.69 S/379.34 0.00432722 12738
163.84 10.87 S/379.34 0.00432722 12533.37
161.21 10.7 S/379.34 0.00432722 12325.94
153.4 10.18 S/379.34 0.00432722 12110.18
155.77 10.34 S/379.34 0.00432722 11896.95
148.06 9.83 S/379.34 0.00432722 11675.5
150.18 9.97 S/379.34 0.00432722 11456.31
147.36 9.78 S/379.34 0.00432722 11234.11
130.44 8.66 S/379.34 0.00432722 10993.87
141.41 9.38 S/379.34 0.00432722 10765.32
133.98 8.89 S/379.34 0.00432722 10528.85
135.43 8.99 S/379.34 0.00432722 10293.93
128.11 8.5 S/379.34 0.00432722 10051.2
129.28 8.58 S/379.34 0.00432722 9809.72
 126.18 8.37 S/379.34 0.00432722 9564.93
119.04 7.9 S/379.34 0.00432722 9312.53
119.78 7.95 S/379.34 0.00432722 9060.92
112.76 7.48 S/379.34 0.00432722 8801.82
113.21 7.51 S/379.34 0.00432722 8543.2
109.89 7.29 S/379.34 0.00432722 8281.04
96.15 6.38 S/379.34 0.00432722 8004.23
102.96 6.83 S/379.34 0.00432722 7734.68
96.26 6.39 S/379.34 0.00432722 7457.99
95.93 6.37 S/379.34 0.00432722 7180.95
89.37 5.93 S/379.34 0.00432722 6896.91
88.71 5.89 S/379.34 0.00432722 6612.17
85.05 5.64 S/379.34 0.00432722 6323.52
78.7 5.22 S/379.34 0.00432722 6028.1
77.54 5.15 S/379.34 0.00432722 5731.45
71.33 4.73 S/379.34 0.00432722 5428.17
69.82 4.63 S/379.34 0.00432722 5123.28
65.9 4.37 S/379.34 0.00432722 4814.21
55.9 3.71 S/379.34 0.00432722 4494.48
57.81 3.84 S/379.34 0.00432722 4176.79
51.98 3.45 S/379.34 0.00432722 3852.88
49.56 3.29 S/379.34 0.00432722 3526.39
43.89 2.91 S/379.34 0.00432722 3193.85
41.08 2.73 S/379.34 0.00432722 2858.32
36.77 2.44 S/379.34 0.00432722 2518.19
31.34 2.08 S/379.34 0.00432722 2172.27
27.94 1.85 S/379.34 0.00432722 1822.72
22.68 1.51 S/379.34 0.00432722 1467.57
18.88 1.25 S/379.34 0.00432722 1108.36
14.26 0.95 S/379.34 0.00432722 744.23
8.95 0.59 S/379.34 0.00432722 374.43
4.82 0.32 S/379.34 0.00432722 0.23
0.23 0
4.82 0.32 S/379.57
4603.1 305.45 S/18,208.55
VP
S/13,300.00 S/379.34 S/379.34 S/379.34

0 1 2 3
4/11/2016 5/19/2016 6/19/2016 7/19/2016
 TEM 1.2445%

S/379.34 S/379.34 S/379.34 S/379.34

4 5 6 7
7/19/2016 8/19/2016 9/19/2016 10/19/2016

COP S/10,781.50
 VF
S/379.34 S/24,081.50
Cmensuales
48
4/19/2020
FÓRMULAS BA
MULAS BANCO DE LA NACIÓN