###

SIMULADOR - CRÉDITO DE CRÉDITO VEHICULAR TRADICIONAL ###

###
Moneda Soles ###
Precio del vehículo 70,000.00
Cuota inicial 14,000.00

Servicio de toma de firmas y delivery 3,980.00

Gastos notariales y registrales 656.00

GPS 3,960.00
Monto del préstamo 64,596.00 ###
Día de Pago 2 Titular
Fecha de desembolso 2/2/2023 Titular + Conyuge
Cuota Doble No ###
Fecha Primera Cuota 3/1/2023 ###
12.99%
Tasa de Interés Compensatorio Efectiva Anual (TEA Fija) 1.02294% ###
Número de Cuotas 60 0.0382% ###
Envio Estado de Cuenta* Físico ###
Portes 10.00 ###
Seguro vehicular anual % 6.00%
Tipo de Seguro de Desgravamen Titular
Cuota Total a Pagar Mensual (T) 1,862.35 ###
###
Tasa de Costo Efectivo Anual (TCEA) 26.95% 2.0% Físico
Revisar las notas ubicadas al final del cronograma Virtual
No

Seguro de Seguro
Nro Cuota Fecha Saldo Capital Saldo Final (SF) Amortización Interés desgravamen vehicular Portes Cuota Total
###
1 3/1/2023 64,596.00 63,761.88 834.12 594.40 73.83 350.00 10.00 1,862.35###
2 4/1/2023 63,761.88 63,017.31 744.57 674.10 83.68 350.00 10.00 1,862.35###
3 5/1/2023 63,017.31 62,239.62 777.69 644.63 80.03 350.00 10.00 1,862.35###
4 6/1/2023 62,239.62 61,476.96 762.66 658.01 81.68 350.00 10.00 1,862.35###
5 7/1/2023 61,476.96 60,681.56 795.40 628.87 78.08 350.00 10.00 1,862.35###
6 8/1/2023 60,681.56 59,900.39 781.17 641.54 79.64 350.00 10.00 1,862.35###
7 9/1/2023 59,900.39 59,109.93 790.46 633.28 78.61 350.00 10.00 1,862.35###
8 10/1/2023 59,109.93 58,287.31 822.62 604.66 75.07 350.00 10.00 1,862.35###
9 11/1/2023 58,287.31 57,477.67 809.64 616.22 76.49 350.00 10.00 1,862.35###
10 12/1/2023 57,477.67 56,636.28 841.39 587.96 73.00 350.00 10.00 1,862.35###
11 1/1/2024 56,636.28 55,807.03 829.25 598.77 74.33 350.00 10.00 1,862.35###
12 2/1/2024 55,807.03 54,967.92 839.11 590.00 73.24 350.00 10.00 1,862.35###
13 3/1/2024 54,967.92 54,076.50 891.42 543.45 67.48 350.00 10.00 1,862.35###
14 4/1/2024 54,076.50 53,216.83 859.67 571.71 70.97 350.00 10.00 1,862.35###
15 5/1/2024 53,216.83 52,326.45 890.38 544.38 67.59 350.00 10.00 1,862.35###
16 6/1/2024 52,326.45 51,445.97 880.48 553.20 68.67 350.00 10.00 1,862.35###
17 7/1/2024 51,445.97 50,535.22 910.75 526.26 65.34 350.00 10.00 1,862.35###
18 8/1/2024 50,535.22 49,633.46 901.76 534.27 66.32 350.00 10.00 1,862.35###
19 9/1/2024 49,633.46 48,720.98 912.48 524.73 65.14 350.00 10.00 1,862.35###
20 10/1/2024 48,720.98 47,778.90 942.08 498.39 61.88 350.00 10.00 1,862.35###
21 11/1/2024 47,778.90 46,844.38 934.52 505.13 62.70 350.00 10.00 1,862.35###
22 12/1/2024 46,844.38 45,880.71 963.67 479.19 59.49 350.00 10.00 1,862.35###
23 1/1/2025 45,880.71 44,923.63 957.08 485.06 60.21 350.00 10.00 1,862.35###
24 2/1/2025 44,923.63 43,955.18 968.45 474.94 58.96 350.00 10.00 1,862.35###
25 3/1/2025 43,955.18 42,924.45 1,030.73 419.52 52.10 350.00 10.00 1,862.35###
26 4/1/2025 42,924.45 41,932.23 992.22 453.80 56.33 350.00 10.00 1,862.35###
27 5/1/2025 41,932.23 40,912.07 1,020.16 428.94 53.25 350.00 10.00 1,862.35###
28 6/1/2025 40,912.07 39,895.94 1,016.13 432.53 53.69 350.00 10.00 1,862.35###
29 7/1/2025 39,895.94 38,852.37 1,043.57 408.11 50.67 350.00 10.00 1,862.35###
30 8/1/2025 38,852.37 37,811.76 1,040.61 410.75 50.99 350.00 10.00 1,862.35###
31 9/1/2025 37,811.76 36,758.78 1,052.98 399.75 49.62 350.00 10.00 1,862.35###
32 10/1/2025 36,758.78 35,679.13 1,079.65 376.02 46.68 350.00 10.00 1,862.35###
33 11/1/2025 35,679.13 34,600.81 1,078.32 377.21 46.82 350.00 10.00 1,862.35###
34 12/1/2025 34,600.81 33,496.35 1,104.46 353.95 43.94 350.00 10.00 1,862.35###
35 1/1/2026 33,496.35 32,392.09 1,104.26 354.13 43.96 350.00 10.00 1,862.35###
36 2/1/2026 32,392.09 31,274.70 1,117.39 342.45 42.51 350.00 10.00 1,862.35###
37 3/1/2026 31,274.70 30,107.91 1,166.79 298.49 37.07 350.00 10.00 1,862.35###
38 4/1/2026 30,107.91 28,963.38 1,144.53 318.31 39.51 350.00 10.00 1,862.35###
39 5/1/2026 28,963.38 27,794.09 1,169.29 296.28 36.78 350.00 10.00 1,862.35###
40 6/1/2026 27,794.09 26,622.06 1,172.03 293.84 36.48 350.00 10.00 1,862.35###
41 7/1/2026 26,622.06 25,425.85 1,196.21 272.33 33.81 350.00 10.00 1,862.35###
42 8/1/2026 25,425.85 24,225.68 1,200.17 268.81 33.37 350.00 10.00 1,862.35###
43 9/1/2026 24,225.68 23,011.24 1,214.44 256.12 31.79 350.00 10.00 1,862.35###
44 10/1/2026 23,011.24 21,773.50 1,237.74 235.39 29.22 350.00 10.00 1,862.35###
45 11/1/2026 21,773.50 20,529.91 1,243.59 230.19 28.57 350.00 10.00 1,862.35###
46 12/1/2026 20,529.91 19,263.64 1,266.27 210.01 26.07 350.00 10.00 1,862.35###
47 1/1/2027 19,263.64 17,990.23 1,273.41 203.66 25.28 350.00 10.00 1,862.35###
48 2/1/2027 17,990.23 16,701.69 1,288.54 190.20 23.61 350.00 10.00 1,862.35###
49 3/1/2027 16,701.69 15,378.54 1,323.15 159.40 19.80 350.00 10.00 1,862.35###
50 4/1/2027 15,378.54 14,058.95 1,319.59 162.58 20.18 350.00 10.00 1,862.35###
51 5/1/2027 14,058.95 12,718.26 1,340.69 143.81 17.85 350.00 10.00 1,862.35###
52 6/1/2027 12,718.26 11,367.06 1,351.20 134.46 16.69 350.00 10.00 1,862.35###
53 7/1/2027 11,367.06 9,995.43 1,371.63 116.28 14.44 350.00 10.00 1,862.35###
54 8/1/2027 9,995.43 8,611.87 1,383.56 105.67 13.12 350.00 10.00 1,862.35###
55 9/1/2027 8,611.87 7,211.87 1,400.00 91.05 11.30 350.00 10.00 1,862.35###
56 10/1/2027 7,211.87 5,792.45 1,419.42 73.77 9.16 350.00 10.00 1,862.35###
57 11/1/2027 5,792.45 4,358.94 1,433.51 61.24 7.60 350.00 10.00 1,862.35###
58 12/1/2027 4,358.94 2,906.72 1,452.22 44.59 5.54 350.00 10.00 1,862.35###
59 1/1/2028 2,906.72 1,438.91 1,467.81 30.73 3.81 350.00 10.00 1,862.35###
60 2/1/2028 1,438.91 0.00 1,438.91 15.21 1.89 350.00 10.00 1,816.01###
61 3/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
62 4/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
63 5/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
64 6/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
65 7/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
66 8/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
67 9/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
68 10/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
69 11/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
70 12/1/2028 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
71 1/1/2029 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
72 2/1/2029 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00###
 Fórmulas MaxiPréstamo

Cuota Mensual (C) del mes i: Tasa de Interés Efectiva Mensual:

1
1  (1  t m )  n   1 
Ci  P    t m  (1  TIEA) 12  1
 tm   

Saldo Inicial (SI) y Saldo Final (SF) del mes i:

SI 0  SF0  P
A partir del mes 1:
i 1 i
SI i  P   A j  SFi 1 SFi  P   A j  SI i  Ai
j 1 j 1

Interés (I) del mes i: Seguro de Desgravamen Mensual Constante (SD):

1
I i  SIi  t m SD  
n
tsd  (1  dp)  1.19  SI i 1  (1  t m )  n 
 
i 1 (1  t m ) i  tm 
Amortización (A) del mes i: Total a Pagar Mensual (T):
i = Mes correspondiente

Ai  Ci  I i Ti  Ci  SD  PT
Leyenda:

C = Cuota Mensual TIEA = Tasa de interés efectiva Anual

P = Monto a desembolsar
tm = Tasa de interés efectiva Mensual
SI = Saldo Inicial del mes
SF = Saldo Final del mes
A = Amortización mensual
I = Intereses del mes
SD = Seguro de Desgravamen del mes
T = Total a pagar mensual
tsd = Tasa de seguro de desgravamen
dp = Tasa de derecho de emisión de póliza
n = Plazo del Préstamo (meses)
PT = Comisión y Gastos por Portes