1.

REALIZAR EL CRONOGRAMA Y CALCULAR LA TREA

DEPOSITO S/ 10,000.00
tiempo de deposito 12 meses
TEA 1.75%
MANTENIMIENTO
N° Operaciones permitidad S/ 7.00
(costo
mensuales )
comisiones por exceso 4
de operaciones
N° Operaciones Ventanilla S/ 2.00
(costo
mensuales ) por exceso
comision 2
ventanilla S/ 2.50
operaciones del mes 6
operaciones en ventanilla 2
comision por exceso de
operaciones
comision por exceso de op. S/ 4.00
Ventanilla S/ 0.00

2. REALIZAR EL CRONOGRAMA Y CALCULAR LA TCEA

PRÉSTAMO VEHICULAR

Nombre del cliente Cesar Peréz TEA 14%

Valor del vehiculo 16,000.00 TEM
SEGURO
porcentaje de finnicamiento 80% DESGRAVAMEN
SEGURO 0.015%
Importe del prestamo 12800 VEHICULAR 0.10%
fecha del prestamo 17/6/2022 PORTES 3.5
plazo de la operación 5 años DESGRAVAMEN
TASA COSTO
numero de cuota 60 EFECTIVA MENSUAL
periodo de pago cada 30 dias TCEA
SOLUCIÓN

TEM 1.10% 0.08333333 MES CUOTA

Jun-22 0
FRC 0.02284 Jul-22 1
CUOTA 292.38 Aug-22 2
Sep-22 3
-$292.38 Oct-22 4
Nov-22 5
Dec-22 6
Jan-23 7
Feb-23 8
Mar-23 9
Apr-23 10
May-23 11
Jun-23 12
Jul-23 13
Aug-23 14
Sep-23 15
Oct-23 16
Nov-23 17
Dec-23 18
Jan-24 19
Feb-24 20
Mar-24 21
Apr-24 22
May-24 23
Jun-24 24
Jul-24 25
Aug-24 26
Sep-24 27
Oct-24 28
Nov-24 29
Dec-24 30
Jan-25 31
Feb-25 32
Mar-25 33
Apr-25 34
May-25 35
Jun-25 36
Jul-25 37
Aug-25 38
Sep-25 39
Oct-25 40
Nov-25 41
Dec-25 42
Jan-26 43
Feb-26 44
Mar-26 45
Apr-26 46
May-26 47
Jun-26 48
Jul-26 49
Aug-26 50
Sep-26 51
Oct-26 52
Nov-26 53
Dec-26 54
Jan-27 55
Feb-27 56
Mar-27 57
Apr-27 58
May-27 59
Jun-27 60
1.92
SALDO INICIAL CUOTA INTERÉS AMORTIZACIÓN SALDO FINAL DESGRAVAMEN VEHICULAR SEGURO
S/ 12,798.08 1.92
S/ 12,800.00 -S/ 292.38 S/ 140.53 S/ 151.86 S/ 12,648.14 3.5
S/ 12,648.14 -S/ 292.38 S/ 138.86 S/ 153.52 S/ 12,494.62 12.8 3.5
S/ 12,494.62 -S/ 292.38 S/ 137.18 S/ 155.21 S/ 12,339.41 12.8 3.5
S/ 12,339.41 -S/ 292.38 S/ 135.47 S/ 156.91 S/ 12,182.50 12.8 3.5
S/ 12,182.50 -S/ 292.38 S/ 133.75 S/ 158.63 S/ 12,023.87 12.8 3.5
S/ 12,023.87 -S/ 292.38 S/ 132.01 S/ 160.38 S/ 11,863.49 12.8 3.5
S/ 11,863.49 -S/ 292.38 S/ 130.25 S/ 162.14 S/ 11,701.35 12.8 3.5
S/ 11,701.35 -S/ 292.38 S/ 128.47 S/ 163.92 S/ 11,537.44 12.8 3.5
S/ 11,537.44 -S/ 292.38 S/ 126.67 S/ 165.72 S/ 11,371.72 12.8 3.5
S/ 11,371.72 -S/ 292.38 S/ 124.85 S/ 167.54 S/ 11,204.18 12.8 3.5
S/ 11,204.18 -S/ 292.38 S/ 123.01 S/ 169.38 S/ 11,034.81 12.8 3.5
S/ 11,034.81 -S/ 292.38 S/ 121.15 S/ 171.24 S/ 10,863.57 12.8 3.5
S/ 10,863.57 -S/ 292.38 S/ 119.27 S/ 173.12 S/ 10,690.46 12.8 3.5
S/ 10,690.46 -S/ 292.38 S/ 117.37 S/ 175.02 S/ 10,515.44 12.8 3.5
S/ 10,515.44 -S/ 292.38 S/ 115.45 S/ 176.94 S/ 10,338.50 12.8 3.5
S/ 10,338.50 -S/ 292.38 S/ 113.50 S/ 178.88 S/ 10,159.62 12.8 3.5
S/ 10,159.62 -S/ 292.38 S/ 111.54 S/ 180.84 S/ 9,978.78 12.8 3.5
S/ 9,978.78 -S/ 292.38 S/ 109.56 S/ 182.83 S/ 9,795.95 12.8 3.5
S/ 9,795.95 -S/ 292.38 S/ 107.55 S/ 184.84 S/ 9,611.11 12.8 3.5
S/ 9,611.11 -S/ 292.38 S/ 105.52 S/ 186.87 S/ 9,424.25 12.8 3.5
S/ 9,424.25 -S/ 292.38 S/ 103.47 S/ 188.92 S/ 9,235.33 12.8 3.5
S/ 9,235.33 -S/ 292.38 S/ 101.39 S/ 190.99 S/ 9,044.34 12.8 3.5
S/ 9,044.34 -S/ 292.38 S/ 99.30 S/ 193.09 S/ 8,851.25 12.8 3.5
S/ 8,851.25 -S/ 292.38 S/ 97.18 S/ 195.21 S/ 8,656.04 12.8 3.5
S/ 8,656.04 -S/ 292.38 S/ 95.03 S/ 197.35 S/ 8,458.69 12.8 3.5
S/ 8,458.69 -S/ 292.38 S/ 92.87 S/ 199.52 S/ 8,259.17 12.8 3.5
S/ 8,259.17 -S/ 292.38 S/ 90.68 S/ 201.71 S/ 8,057.46 12.8 3.5
S/ 8,057.46 -S/ 292.38 S/ 88.46 S/ 203.92 S/ 7,853.54 12.8 3.5
S/ 7,853.54 -S/ 292.38 S/ 86.22 S/ 206.16 S/ 7,647.38 12.8 3.5
S/ 7,647.38 -S/ 292.38 S/ 83.96 S/ 208.43 S/ 7,438.95 12.8 3.5
S/ 7,438.95 -S/ 292.38 S/ 81.67 S/ 210.71 S/ 7,228.24 12.8 3.5
S/ 7,228.24 -S/ 292.38 S/ 79.36 S/ 213.03 S/ 7,015.21 12.8 3.5
S/ 7,015.21 -S/ 292.38 S/ 77.02 S/ 215.37 S/ 6,799.85 12.8 3.5
S/ 6,799.85 -S/ 292.38 S/ 74.65 S/ 217.73 S/ 6,582.12 12.8 3.5
S/ 6,582.12 -S/ 292.38 S/ 72.26 S/ 220.12 S/ 6,361.99 12.8 3.5
S/ 6,361.99 -S/ 292.38 S/ 69.85 S/ 222.54 S/ 6,139.46 12.8 3.5
S/ 6,139.46 -S/ 292.38 S/ 67.40 S/ 224.98 S/ 5,914.48 12.8 3.5
S/ 5,914.48 -S/ 292.38 S/ 64.93 S/ 227.45 S/ 5,687.03 12.8 3.5
S/ 5,687.03 -S/ 292.38 S/ 62.44 S/ 229.95 S/ 5,457.08 12.8 3.5
S/ 5,457.08 -S/ 292.38 S/ 59.91 S/ 232.47 S/ 5,224.61 12.8 3.5
S/ 5,224.61 -S/ 292.38 S/ 57.36 S/ 235.02 S/ 4,989.58 12.8 3.5
S/ 4,989.58 -S/ 292.38 S/ 54.78 S/ 237.60 S/ 4,751.98 12.8 3.5
S/ 4,751.98 -S/ 292.38 S/ 52.17 S/ 240.21 S/ 4,511.76 12.8 3.5
S/ 4,511.76 -S/ 292.38 S/ 49.53 S/ 242.85 S/ 4,268.91 12.8 3.5
S/ 4,268.91 -S/ 292.38 S/ 46.87 S/ 245.52 S/ 4,023.39 12.8 3.5
S/ 4,023.39 -S/ 292.38 S/ 44.17 S/ 248.21 S/ 3,775.18 12.8 3.5
S/ 3,775.18 -S/ 292.38 S/ 41.45 S/ 250.94 S/ 3,524.24 12.8 3.5
S/ 3,524.24 -S/ 292.38 S/ 38.69 S/ 253.69 S/ 3,270.55 12.8 3.5
S/ 3,270.55 -S/ 292.38 S/ 35.91 S/ 256.48 S/ 3,014.07 12.8 3.5
S/ 3,014.07 -S/ 292.38 S/ 33.09 S/ 259.29 S/ 2,754.78 12.8 3.5
S/ 2,754.78 -S/ 292.38 S/ 30.24 S/ 262.14 S/ 2,492.64 12.8 3.5
S/ 2,492.64 -S/ 292.38 S/ 27.37 S/ 265.02 S/ 2,227.62 12.8 3.5
S/ 2,227.62 -S/ 292.38 S/ 24.46 S/ 267.93 S/ 1,959.69 12.8 3.5
S/ 1,959.69 -S/ 292.38 S/ 21.52 S/ 270.87 S/ 1,688.82 12.8 3.5
S/ 1,688.82 -S/ 292.38 S/ 18.54 S/ 273.84 S/ 1,414.98 12.8 3.5
S/ 1,414.98 -S/ 292.38 S/ 15.53 S/ 276.85 S/ 1,138.13 12.8 3.5
S/ 1,138.13 -S/ 292.38 S/ 12.50 S/ 279.89 S/ 858.24 12.8 3.5
S/ 858.24 -S/ 292.38 S/ 9.42 S/ 282.96 S/ 575.28 12.8 3.5
S/ 575.28 -S/ 292.38 S/ 6.32 S/ 286.07 S/ 289.21 12.8 3.5
S/ 289.21 -S/ 292.38 S/ 3.18 S/ 289.21 S/ 0.00 12.8 3.5
TCEM
TCEA
FLUJO DE LA DEUDA
S/ 12,798.08
-S/ 295.88
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
-S/ 308.68
1.3%
17%