Maria Alejandra Orbegoso Cabeza (N00167159)

Giomara Estefani siancas Gonzales (N00174559)

Jesus Renato Paredes Paz (N00167384)
Adrianely Estefany Aguilar Carranza (N00168739)
Gabriela Alexandra Bobadilla Bernuy (N00054399)
1

5
Una Pyme solicita un crédito de S/ 40,000 para pagar en 5 meses mediante cuotas constantes mensuales. Cons

José Torres solicita un financiamiento de S/ 66,800 comprometiéndose a pagar en 10 meses mediante cuotas
primer trimestre. Construir el cuadro de la deuda. (TEA=38.09%)
Un crédito de S/ 78,900 se acordó pagar en 5 años mediante el pago de cuotas quincenales constantes pero su
deuda. (TEM=2.99%)
Una deuda de S/ 35,900 se estableció pagar en 4 cuotas bimestrales mediante el pago de cuotas constante
cuadro de la deuda. (TES=17.5%)
Un inversionista busca financiamiento de S/ 18,500 con la posibilidad de cancelar en 5 meses mediante el pago
del 2do meses. Construir el cuadro de la deuda. (TET=4.55%).

*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructur
Una Pyme solicita un crédito de S/ 40,000 para pagar en 5 meses mediante cuotas constantes mensuales. Construir el cuadro
*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructuración de la deuda a 0

P = 40,000
Rest. Deuda = 0.50% = 200
40,200

TEA = 38.09% TEM = 2.73%

n = 5
Desgravamen = 1.50% = 603
Cuota = 8,709.29

Préstamo Interés Amortización Cuotas sin Desgravamen Cuota Final

N° (1) (2)=TEM*(1) (3)=(4)-(2) desgravamen (5)=Préstamo (6)=(4)+(5)
(4) * 1.5%

1 40,200.00 1,095.83 7,613.45 8,709.29 603.00 9,312.29

2 32,586.55 888.29 7,820.99 8,709.29 603.00 9,312.29
3 24,765.56 675.10 8,034.19 8,709.29 603.00 9,312.29
4 16,731.37 456.09 8,253.20 8,709.29 603.00 9,312.29
5 8,478.17 231.11 8,478.17 8,709.29 603.00 9,312.29
mensuales. Construir el cuadro de la deuda. (TEA=38.09%)
estructuración de la deuda a 0.5%

Saldo
(7)=(1)-(3)

32,586.55
24,765.56
16,731.37
8,478.17
-
José Torres solicita un financiamiento de S/ 66,800 comprometiéndose a pagar en 10 meses mediante cuotas cons
cuadro de la deuda. (TEA=38.09%)
*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructuración de la

P = 66,800
Rest. Deuda = 0.50% = 334
67,134 (A 10 CUOTAS)

TEA = 38.09% TEM = 2.73%

n = 10
Desgravamen = 1.50% = 1,007
0.12% 83.35
A 10 cuotas = 7,760.48
A 08 cuotas = 9,975.84

Préstamo Interés Amortización Cuotas sin Desgravamen Cuota Final

N° (1) (2)=TEM*(1) (3)=(4)-(2) desgravamen (5)=Préstamo (6)=(4)+(5)
(4) * 1.5%

1 67,134.00 1,830.04
2 68,964.04 1,879.93
3 70,843.97 1,931.17 8,044.67 9,975.84 1,007.01 10,982.85
4 62,799.31 1,711.88 8,263.96 9,975.84 1,007.01 10,982.85
5 54,535.35 1,486.61 8,489.23 9,975.84 1,007.01 10,982.85
6 46,046.12 1,255.20 8,720.64 9,975.84 1,007.01 10,982.85
7 37,325.47 1,017.48 8,958.36 9,975.84 1,007.01 10,982.85
8 28,367.11 773.27 9,202.57 9,975.84 1,007.01 10,982.85
9 19,164.54 522.42 9,453.42 9,975.84 1,007.01 10,982.85
10 9,711.12 264.72 9,711.12 9,975.84 1,007.01 10,982.85
s mediante cuotas constantes mensuales pero cuyo primer pago se realiza al finalizar el primer trimestre. Construir el

por estructuración de la deuda a 0.5%

Saldo
(7)=(1)-(3)

68,964.04
70,843.97
62,799.31
54,535.35
46,046.12
37,325.47
28,367.11
19,164.54
9,711.12
- 0.00
trimestre. Construir el
Un crédito de S/ 78,900 se acordó pagar en 5 años mediante el pago de cuotas quincenales constantes pero su
(TEM=2.99%)
*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructuración de la

P = 78,900
Rest. Deuda = 0.50% = 395
79,295

TEM = 2.99% TEQ = 1.48%

n = 120
Desgravamen = 1.50% = 1,189

A 120 cuotas = 1,418.98

A 117 cuotas = 1,497.02

Préstamo Interés Amortización Cuotas sin Desgravamen

N° desgravamen (5)=Préstamo Cuota Final
(1) (2)=TEM*(1) (3)=(4)-(2) (4) * 1.5% (6)=(4)+(5)

1 79,294.50 1,176.72
2 80,471.22 1,194.18
3 81,665.41 1,211.91
4 82,877.31 1,229.89 267.13 1,497.02 1,189.42 2,686.43
5 82,610.19 1,225.93 271.09 1,497.02 1,189.42 2,686.43
6 82,339.10 1,221.90 275.11 1,497.02 1,189.42 2,686.43
7 82,063.98 1,217.82 279.20 1,497.02 1,189.42 2,686.43
8 81,784.79 1,213.68 283.34 1,497.02 1,189.42 2,686.43
9 81,501.45 1,209.47 287.54 1,497.02 1,189.42 2,686.43
10 81,213.91 1,205.21 291.81 1,497.02 1,189.42 2,686.43
11 80,922.10 1,200.87 296.14 1,497.02 1,189.42 2,686.43
12 80,625.96 1,196.48 300.54 1,497.02 1,189.42 2,686.43
13 80,325.42 1,192.02 305.00 1,497.02 1,189.42 2,686.43
14 80,020.42 1,187.49 309.52 1,497.02 1,189.42 2,686.43
15 79,710.90 1,182.90 314.11 1,497.02 1,189.42 2,686.43
16 79,396.79 1,178.24 318.78 1,497.02 1,189.42 2,686.43
17 79,078.01 1,173.51 323.51 1,497.02 1,189.42 2,686.43
18 78,754.51 1,168.71 328.31 1,497.02 1,189.42 2,686.43
19 78,426.20 1,163.84 333.18 1,497.02 1,189.42 2,686.43
20 78,093.02 1,158.89 338.12 1,497.02 1,189.42 2,686.43
21 77,754.89 1,153.87 343.14 1,497.02 1,189.42 2,686.43
22 77,411.75 1,148.78 348.23 1,497.02 1,189.42 2,686.43
23 77,063.52 1,143.61 353.40 1,497.02 1,189.42 2,686.43
24 76,710.12 1,138.37 358.65 1,497.02 1,189.42 2,686.43
25 76,351.47 1,133.05 363.97 1,497.02 1,189.42 2,686.43
26 75,987.50 1,127.65 369.37 1,497.02 1,189.42 2,686.43
27 75,618.13 1,122.16 374.85 1,497.02 1,189.42 2,686.43
28 75,243.28 1,116.60 380.41 1,497.02 1,189.42 2,686.43
29 74,862.87 1,110.96 386.06 1,497.02 1,189.42 2,686.43
30 74,476.81 1,105.23 391.79 1,497.02 1,189.42 2,686.43
31 74,085.02 1,099.41 397.60 1,497.02 1,189.42 2,686.43
32 73,687.42 1,093.51 403.50 1,497.02 1,189.42 2,686.43
33 73,283.92 1,087.53 409.49 1,497.02 1,189.42 2,686.43
34 72,874.43 1,081.45 415.57 1,497.02 1,189.42 2,686.43
35 72,458.86 1,075.28 421.73 1,497.02 1,189.42 2,686.43
36 72,037.13 1,069.02 427.99 1,497.02 1,189.42 2,686.43
37 71,609.13 1,062.67 434.34 1,497.02 1,189.42 2,686.43
38 71,174.79 1,056.23 440.79 1,497.02 1,189.42 2,686.43
39 70,734.00 1,049.68 447.33 1,497.02 1,189.42 2,686.43
40 70,286.67 1,043.05 453.97 1,497.02 1,189.42 2,686.43
41 69,832.70 1,036.31 460.71 1,497.02 1,189.42 2,686.43
42 69,371.99 1,029.47 467.54 1,497.02 1,189.42 2,686.43
43 68,904.45 1,022.53 474.48 1,497.02 1,189.42 2,686.43
44 68,429.97 1,015.49 481.52 1,497.02 1,189.42 2,686.43
45 67,948.45 1,008.35 488.67 1,497.02 1,189.42 2,686.43
46 67,459.78 1,001.10 495.92 1,497.02 1,189.42 2,686.43
47 66,963.86 993.74 503.28 1,497.02 1,189.42 2,686.43
48 66,460.58 986.27 510.75 1,497.02 1,189.42 2,686.43
49 65,949.83 978.69 518.33 1,497.02 1,189.42 2,686.43
50 65,431.50 971.00 526.02 1,497.02 1,189.42 2,686.43
51 64,905.48 963.19 533.83 1,497.02 1,189.42 2,686.43
52 64,371.66 955.27 541.75 1,497.02 1,189.42 2,686.43
53 63,829.91 947.23 549.79 1,497.02 1,189.42 2,686.43
54 63,280.12 939.07 557.95 1,497.02 1,189.42 2,686.43
55 62,722.18 930.79 566.23 1,497.02 1,189.42 2,686.43
56 62,155.95 922.39 574.63 1,497.02 1,189.42 2,686.43
57 61,581.32 913.86 583.16 1,497.02 1,189.42 2,686.43
58 60,998.17 905.21 591.81 1,497.02 1,189.42 2,686.43
59 60,406.36 896.42 600.59 1,497.02 1,189.42 2,686.43
60 59,805.77 887.51 609.50 1,497.02 1,189.42 2,686.43
61 59,196.26 878.47 618.55 1,497.02 1,189.42 2,686.43
62 58,577.71 869.29 627.73 1,497.02 1,189.42 2,686.43
63 57,949.98 859.97 637.04 1,497.02 1,189.42 2,686.43
64 57,312.94 850.52 646.50 1,497.02 1,189.42 2,686.43
65 56,666.44 840.92 656.09 1,497.02 1,189.42 2,686.43
66 56,010.35 831.19 665.83 1,497.02 1,189.42 2,686.43
67 55,344.52 821.31 675.71 1,497.02 1,189.42 2,686.43
68 54,668.81 811.28 685.74 1,497.02 1,189.42 2,686.43
69 53,983.08 801.10 695.91 1,497.02 1,189.42 2,686.43
70 53,287.16 790.78 706.24 1,497.02 1,189.42 2,686.43
71 52,580.92 780.30 716.72 1,497.02 1,189.42 2,686.43
72 51,864.20 769.66 727.36 1,497.02 1,189.42 2,686.43
73 51,136.85 758.87 738.15 1,497.02 1,189.42 2,686.43
74 50,398.69 747.91 749.10 1,497.02 1,189.42 2,686.43
75 49,649.59 736.79 760.22 1,497.02 1,189.42 2,686.43
76 48,889.37 725.51 771.50 1,497.02 1,189.42 2,686.43
77 48,117.87 714.06 782.95 1,497.02 1,189.42 2,686.43
78 47,334.91 702.44 794.57 1,497.02 1,189.42 2,686.43
79 46,540.34 690.65 806.36 1,497.02 1,189.42 2,686.43
80 45,733.98 678.69 818.33 1,497.02 1,189.42 2,686.43
81 44,915.65 666.54 830.47 1,497.02 1,189.42 2,686.43
82 44,085.18 654.22 842.80 1,497.02 1,189.42 2,686.43
83 43,242.38 641.71 855.30 1,497.02 1,189.42 2,686.43
84 42,387.08 629.02 868.00 1,497.02 1,189.42 2,686.43
85 41,519.08 616.14 880.88 1,497.02 1,189.42 2,686.43
86 40,638.21 603.07 893.95 1,497.02 1,189.42 2,686.43
87 39,744.26 589.80 907.22 1,497.02 1,189.42 2,686.43
88 38,837.04 576.34 920.68 1,497.02 1,189.42 2,686.43
89 37,916.36 562.67 934.34 1,497.02 1,189.42 2,686.43
90 36,982.02 548.81 948.21 1,497.02 1,189.42 2,686.43
91 36,033.82 534.74 962.28 1,497.02 1,189.42 2,686.43
92 35,071.54 520.46 976.56 1,497.02 1,189.42 2,686.43
93 34,094.98 505.97 991.05 1,497.02 1,189.42 2,686.43
94 33,103.93 491.26 1,005.76 1,497.02 1,189.42 2,686.43
95 32,098.17 476.33 1,020.68 1,497.02 1,189.42 2,686.43
96 31,077.49 461.19 1,035.83 1,497.02 1,189.42 2,686.43
97 30,041.66 445.81 1,051.20 1,497.02 1,189.42 2,686.43
98 28,990.46 430.22 1,066.80 1,497.02 1,189.42 2,686.43
99 27,923.66 414.38 1,082.63 1,497.02 1,189.42 2,686.43
100 26,841.03 398.32 1,098.70 1,497.02 1,189.42 2,686.43
101 25,742.33 382.01 1,115.00 1,497.02 1,189.42 2,686.43
102 24,627.33 365.47 1,131.55 1,497.02 1,189.42 2,686.43
103 23,495.78 348.67 1,148.34 1,497.02 1,189.42 2,686.43
104 22,347.44 331.63 1,165.38 1,497.02 1,189.42 2,686.43
105 21,182.06 314.34 1,182.68 1,497.02 1,189.42 2,686.43
106 19,999.38 296.79 1,200.23 1,497.02 1,189.42 2,686.43
107 18,799.16 278.98 1,218.04 1,497.02 1,189.42 2,686.43
108 17,581.12 260.90 1,236.11 1,497.02 1,189.42 2,686.43
109 16,345.00 242.56 1,254.46 1,497.02 1,189.42 2,686.43
110 15,090.55 223.94 1,273.07 1,497.02 1,189.42 2,686.43
111 13,817.47 205.05 1,291.97 1,497.02 1,189.42 2,686.43
112 12,525.51 185.88 1,311.14 1,497.02 1,189.42 2,686.43
113 11,214.37 166.42 1,330.60 1,497.02 1,189.42 2,686.43
114 9,883.77 146.67 1,350.34 1,497.02 1,189.42 2,686.43
115 8,533.43 126.64 1,370.38 1,497.02 1,189.42 2,686.43
116 7,163.05 106.30 1,390.72 1,497.02 1,189.42 2,686.43
117 5,772.33 85.66 1,411.35 1,497.02 1,189.42 2,686.43
118 4,360.98 64.72 1,432.30 1,497.02 1,189.42 2,686.43
119 2,928.68 43.46 1,453.55 1,497.02 1,189.42 2,686.43
120 1,475.12 21.89 1,475.12 1,497.02 1,189.42 2,686.43
incenales constantes pero su primer pago diferido a fines del segundo mes. Construir el cuadro de la deuda.

cobro por estructuración de la deuda a 0.5%

Saldo
(7)=(1)-(3)

80,471.22
81,665.41
82,877.31
82,610.19
82,339.10
82,063.98
81,784.79
81,501.45
81,213.91
80,922.10
80,625.96
80,325.42
80,020.42
79,710.90
79,396.79
79,078.01
78,754.51
78,426.20
78,093.02
77,754.89
77,411.75
77,063.52
76,710.12
76,351.47
75,987.50
75,618.13
75,243.28
74,862.87
74,476.81
74,085.02
73,687.42
73,283.92
72,874.43
72,458.86
72,037.13
71,609.13
71,174.79
70,734.00
70,286.67
69,832.70
69,371.99
68,904.45
68,429.97
67,948.45
67,459.78
66,963.86
66,460.58
65,949.83
65,431.50
64,905.48
64,371.66
63,829.91
63,280.12
62,722.18
62,155.95
61,581.32
60,998.17
60,406.36
59,805.77
59,196.26
58,577.71
57,949.98
57,312.94
56,666.44
56,010.35
55,344.52
54,668.81
53,983.08
53,287.16
52,580.92
51,864.20
51,136.85
50,398.69
49,649.59
48,889.37
48,117.87
47,334.91
46,540.34
45,733.98
44,915.65
44,085.18
43,242.38
42,387.08
41,519.08
40,638.21
39,744.26
38,837.04
37,916.36
36,982.02
36,033.82
35,071.54
34,094.98
33,103.93
32,098.17
31,077.49
30,041.66
28,990.46
27,923.66
26,841.03
25,742.33
24,627.33
23,495.78
22,347.44
21,182.06
19,999.38
18,799.16
17,581.12
16,345.00
15,090.55
13,817.47
12,525.51
11,214.37
9,883.77
8,533.43
7,163.05
5,772.33
 4,360.98
2,928.68
1,475.12
- 0.00
Una deuda de S/ 35,900 se estableció pagar en 4 cuotas bimestrales mediante el pago de cuotas constantes pe
cuadro de la deuda. (TES=17.5%)
*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructuración de la

P = 35,900
Rest. Deuda = 0.50% = 180
36,080

TES = 17.50% TEB = 2.72%

n = 4
Desgravamen = 1.50% = 541

A 04 cuotas = 9,642.44
A 03 cuotas = 13,033.28

Préstamo Interés Amortización Cuotas sin Desgravamen Cuota Final Saldo

N° (1) (2)=TEM*(1) (3)=(4)-(2) desgravamen (5)=Préstamo (6)=(4)+(5) (7)=(1)-(3)
(4) * 1.5%

1 36,079.50 982.90 37,062.40

2 37,062.40 1,009.67 12,023.60 13,033.28 541.19 13,574.47 25,038.79
3 25,038.79 682.12 12,351.16 13,033.28 541.19 13,574.47 12,687.63
4 12,687.63 345.64 12,687.63 13,033.28 541.19 13,574.47 - 0.00
go de cuotas constantes pero cuyo primer pago se realiza al finalizar el 4to mes. Construir el

bro por estructuración de la deuda a 0.5%

Un inversionista busca financiamiento de S/ 18,500 con la posibilidad de cancelar en 5 meses mediante el pago de
2do mes. Construir el cuadro de la deuda. (TET=4.55%).
*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructuración de la

NOTA: consideremos que cada mes tiene 30 dias; es decir; 3 cuotas de 10 días cada uno.

P = 18,500
Rest. Deuda = 0.50% = 93
18,593

TET = 4.55% = 0.05%

n = 5
Desgravamen = 1.50% = 279

A 15 cuotas = 1,244.41
A 10 cuotas = 1,863.39

Cuotas sin Desgravamen

N° Préstamo Interés Amortización desgravamen (5)=Préstamo * Cuota Final Saldo
(1) (2)=TEM*(1) (3)=(4)-(2) (6)=(4)+(5) (7)=(1)-(3)
(4) 1.5%
1 18,592.50 9.19 18,601.69
2 18,601.69 9.20 18,610.89
3 18,610.89 9.20 18,601.69
4 18,601.69 9.20 18,592.49
5 18,592.49 9.19 18,583.30
6 18,583.30 9.19 1,854.20 1,863.39 278.89 2,142.28 16,729.10
7 16,729.10 8.27 1,855.11 1,863.39 278.89 2,142.28 14,873.98
8 14,873.98 7.36 1,856.03 1,863.39 278.89 2,142.28 13,017.95
9 13,017.95 6.44 1,856.95 1,863.39 278.89 2,142.28 11,161.00
10 11,161.00 5.52 1,857.87 1,863.39 278.89 2,142.28 9,303.13
11 9,303.13 4.60 1,858.79 1,863.39 278.89 2,142.28 7,444.35
12 7,444.35 3.68 1,859.71 1,863.39 278.89 2,142.28 5,584.64
13 5,584.64 2.76 1,860.63 1,863.39 278.89 2,142.28 3,724.01
14 3,724.01 1.84 1,861.55 1,863.39 278.89 2,142.28 1,862.47
15 1,862.47 0.92 1,862.47 1,863.39 278.89 2,142.28 0.00
s mediante el pago de cuotas cada 10 días constantes pero su primer pago diferido a fines del

or estructuración de la deuda a 0.5%