AMORTIZACION

Credito efectivo de s/. 220, 000.00 una TCEA 18.5 % en 5 cuotas iguales desde el 2 Abril del 2019.

P.ROT 35
P. INV 30
P. PROV 36
29 DIAS

F. Inicio F. Inicio
T1 = 4/2/2019 5/2/2019 = 30 Dias T1 =

T2 = 4/2/2019 5/31/2019 = 59 Dias T2 =

T3 = 4/2/2019 7/1/2019 = 90 Dias T3 =

T3 = 4/2/2019 7/30/2019 = 119 Dias T3 =

T3 = 4/2/2019 8/28/2019 = 148 Dias T3 =

220,000.00
CUOTA A PAGAR = 57,757.21
3.809048250642

F1 = (1+0.185)^30/360-1 = 0.014245748386

F2 = (1+0.185)^59/360-1 = 0.028209515094

F3 = (1+0.185)^90/360-1 = 0.04334896025

F4 = (1+0.185)^119/360-1 = 0.057713409398

F5 = (1+0.185)^148/360-1 = 0.072275623059

CUADRO DE AMORTIZACION
capital cuota
1 220,000.00 3,134.06 54,623.15 57,757.21
2 165,376.85 4,665.20 53,092.01 57,757.21
3 112,284.85 4,867.43 52,889.78 57,757.21
4 59,395.07 3,427.89 54,329.32 57,757.21
5 5,065.75 366.13 57,391.08 57,757.21
CION

1
(1+ 0.185)^30/360) = 0.98595434251675

1
(1+ 0.185)^59/360) = 0.97256442905864

1
= 0.95845209809841
(1+ 0.185)^90/360)

1
= 0.94543568334788
(1+ 0.185)^119/360)

1
= 0.93259604013689
(1+ 0.185)^148/360)

SUMATORIA 3.80904825064182
 CONTABILIZACION DE PRES

CAPITAL : 220,000.00
CUOTA : 57,757.21
TEA : 17.00% Mensual ((1+0.17)^1/12)-1 0.01316961

1
2
CF : 220000 (0.01316961) 3
(1-(1.01316961)^-5 4
5
CF : 2897.31444892171
0.06332435792971

CF : 45,753.55
VAN =

VAN =

VAN
TABILIZACION DE PRESTAMO

CUADRO DE AMORTIZACION
Monto Cuota fIja Cuota Capital Desgravamen Portes Comisión cuota
220,000.00 2,897.31 45,753.55 12.10 10 7700 53,475.65
177,143.76 2,332.91 45,753.55 9.74 10 45,773.30
133,723.12 1,761.08 45,753.55 7.35 10 45,770.91
89,730.65 1,181.72 45,753.55 4.94 10 45,768.49
45,158.81 594.72 45,753.55 2.48 10 45,766.04

53,475.65 45,773.30 45,770.91 45,768.49 45,766.04

(1+0.02)^1 (1+0.02)^2 (1+0.02)^3 (1+0.02)^4 (1+0.02)^5

52,427.11 43,995.86 43,130.95 42,283.01 41,451.71

223,288.65
 Prestamo
…........................ X.................................
1411 Creditos Vigentes 220,000.00
141101 Creditos Vigentes
1418 10,619.41
141801
2111 220,000.00
211101
5111 Intereses 2,897.31
511106
2111 Seguro Desgravamen 12.10
211101
5211 Comision 7,700.00
521101
5711 Portes 10.00
571101
…........................ X.................................
81 Documentos prestamos 220,000.00
82 Deudores 220,000.00
…........................ X.................................

2111 53,475.65
211101
1411 42856.24
141101
1418 10,619.41
1418 2,352.66
2111 9.74
211101
5111 Intereses 2,332.91
511106
5711 Portes 10.00
571101
…........................ X.................................
82 Deudores 220,000.00
81 Documentos prestamos 220,000.00
726,447.73 726,447.73