DETERMINACION DE LA TASA DE COSTO EFECTIVO ANUAL (TCEA)

DIAGRAMA DE FLUJO DE CAJA (DFC)

10,000
Tipo de Credito Capital de Trabajo
Monto 10,000
Plazo (meses) 9 1 2 3
TEA 55%
Cargos Mensuales 5.50 0 (HOY)
Cargos por unica vez 120 5.5 5.5 .................
Forma de pago Mensual 120
CUOTA CUOTA................
TEM 3.72%
PAGO (MES) 1,327.80

CALENDARIO DE SERVICIO A LA DEUDA:

PERIODO DEUDA COMISION AMORTIZACION INTERES CARGO/MES
0 10,000 (120.00)
1 10,000 (955.84) (371.96) (5.50)
2 9,044 (991.39) (336.41) (5.50)
3 8,053 (1,028.27) (299.53) (5.50)
4 7,025 (1,066.52) (261.29) (5.50)
5 5,958 (1,106.19) (221.62) (5.50)
6 4,852 (1,147.33) (180.47) (5.50)
7 3,704 (1,190.01) (137.79) (5.50)
8 2,514 (1,234.27) (93.53) (5.50)
9 1,280 (1,280.18) (47.62) (5.50)

TCEM

TCEA
 1 2 3 4 5 6 7 8 9
MESES

5.5 5.5 .............................................................................................................5.5

CUOTA CUOTA....................................................................................................... CUOTA

MONTO FINAL SALDO DEUDA

9,880 10,000
(1,333.30) 9,044
(1,333.30) 8,053
(1,333.30) 7,025
(1,333.30) 5,958
(1,333.30) 4,852
(1,333.30) 3,704
(1,333.30) 2,514
(1,333.30) 1,280
(1,333.30) -

4.07%

61.48%
DETERMINACION DE LA TASA DE COSTO EFECTIVO ANUAL (TCEA)

DIAGRAMA DE FLUJO DE CAJA (DFC)

10,000
Tipo de Credito Capital de Trabajo
Monto 10,000
Plazo (meses) 9 1 2 3
TEA 35%
% Seguro Mensual 0.075% 0 (HOY)
Comision (% Prestamo) 1% 7.5 7.5 ...............
Forma de pago Mensual 100
CUOTA CUOTA..............
TEM 2.53%
PAGO (MES) 1,256.49

CALENDARIO DE SERVICIO A LA DEUDA:

PERIODO DEUDA COMISION AMORTIZACION INTERES CARGO/MES
0 10,000 (100.00)
1 10,000 (1,003.25) (253.24) (7.50)
2 8,997 (1,028.65) (227.83) (7.50)
3 7,968 (1,054.70) (201.78) (7.50)
4 6,913 (1,081.41) (175.08) (7.50)
5 5,832 (1,108.80) (147.69) (7.50)
6 4,723 (1,136.88) (119.61) (7.50)
7 3,586 (1,165.67) (90.82) (7.50)
8 2,421 (1,195.19) (61.30) (7.50)
9 1,225 (1,225.45) (31.03) (7.50)

TCEM

TCEA
 1 2 3 4 5 6 7 8 9
MESES

7.5 7.5 .............................................................................................................7.5

CUOTA CUOTA....................................................................................................... CUOTA

MONTO FINAL SALDO DEUDA

9,900 10,000
(1,263.99) 8,997
(1,263.99) 7,968
(1,263.99) 6,913
(1,263.99) 5,832
(1,263.99) 4,723
(1,263.99) 3,586
(1,263.99) 2,421
(1,263.99) 1,225
(1,263.99) -

2.87%

40.48%