Trabajo Final Aplicativo: Finanzas Corporativas

Elaborado por GRUPO 01:

De la Cruz Acosta, Ana María
Evangelista Armijo, Gina
Gamarra Minaya, Renzo
García Mesones, Bruno

Fecha presentación: 12/03/23

Préstamo -$53,900
Tasa 13.50% TEA
Plazo
Desgravamen 0.17% mensual 0.08% mensual
Pagar mensual fijo
Tasa 1.06% mensual
Tasa final 1.24%
Tasa 15.87% TCEA

Periodo Principal Interés Amortización Cuota

0 S/.53,900.00
1 S/.52,701.97 S/.665.71 S/.1,198.03 S/.1,863.74
2 S/.51,489.14 S/.650.91 S/.1,212.83 S/.1,863.74
3 S/.50,261.34 S/.635.93 S/.1,227.81 S/.1,863.74
4 S/.49,018.37 S/.620.77 S/.1,242.97 S/.1,863.74
5 S/.47,760.04 S/.605.42 S/.1,258.32 S/.1,863.74
6 S/.46,486.18 S/.589.88 S/.1,273.86 S/.1,863.74
7 S/.45,196.58 S/.574.14 S/.1,289.60 S/.1,863.74
8 S/.43,891.06 S/.558.22 S/.1,305.52 S/.1,863.74
9 S/.42,569.41 S/.542.09 S/.1,321.65 S/.1,863.74
10 S/.41,231.44 S/.525.77 S/.1,337.97 S/.1,863.74
11 S/.39,876.94 S/.509.24 S/.1,354.50 S/.1,863.74
12 S/.38,505.71 S/.492.51 S/.1,371.23 S/.1,863.74
13 S/.37,117.55 S/.475.58 S/.1,388.16 S/.1,863.74
14 S/.35,712.25 S/.458.43 S/.1,405.31 S/.1,863.74
15 S/.34,289.58 S/.441.08 S/.1,422.66 S/.1,863.74
16 S/.32,849.35 S/.423.50 S/.1,440.24 S/.1,863.74
17 S/.31,391.32 S/.405.72 S/.1,458.02 S/.1,863.74
18 S/.29,915.29 S/.387.71 S/.1,476.03 S/.1,863.74
19 S/.28,421.03 S/.369.48 S/.1,494.26 S/.1,863.74
20 S/.26,908.31 S/.351.02 S/.1,512.72 S/.1,863.74
21 S/.25,376.91 S/.332.34 S/.1,531.40 S/.1,863.74
22 S/.23,826.60 S/.313.43 S/.1,550.31 S/.1,863.74
23 S/.22,257.14 S/.294.28 S/.1,569.46 S/.1,863.74
24 S/.20,668.29 S/.274.89 S/.1,588.85 S/.1,863.74
25 S/.19,059.82 S/.255.27 S/.1,608.47 S/.1,863.74
26 S/.17,431.49 S/.235.40 S/.1,628.34 S/.1,863.74
27 S/.15,783.04 S/.215.29 S/.1,648.45 S/.1,863.74
28 S/.14,114.24 S/.194.93 S/.1,668.81 S/.1,863.74
29 S/.12,424.82 S/.174.32 S/.1,689.42 S/.1,863.74
30 S/.10,714.54 S/.153.46 S/.1,710.28 S/.1,863.74
31 S/.8,983.13 S/.132.33 S/.1,731.41 S/.1,863.74
32 S/.7,230.34 S/.110.95 S/.1,752.79 S/.1,863.74
33 S/.5,455.90 S/.89.30 S/.1,774.44 S/.1,863.74
34 S/.3,659.54 S/.67.38 S/.1,796.36 S/.1,863.74
35 S/.1,841.00 S/.45.20 S/.1,818.54 S/.1,863.74
36 S/.0.00 S/.22.74 S/.1,841.00 S/.1,863.74
S/.13,194.64 S/.53,900.00 ###
Cuota fija $1,863.74
36 meses
Préstamo -$53,900
Tasa 12.68% TEA
Plazo
Desgravamen 0.07% mensual
Pagar mensual fijo
Tasa 1.00% mensual
Tasa final 1.07%
Tasa 13.59% TCEA

Periodo Principal Interés Amortización Cuota

0 $53,900
1 $52,664.14 $575.23 $1,235.86 $1,811.09
2 $51,415.10 $562.05 $1,249.04 $1,811.09
3 $50,152.73 $548.72 $1,262.37 $1,811.09
4 $48,876.88 $535.24 $1,275.85 $1,811.09
5 $47,587.42 $521.63 $1,289.46 $1,811.09
6 $46,284.19 $507.87 $1,303.22 $1,811.09
7 $44,967.06 $493.96 $1,317.13 $1,811.09
8 $43,635.87 $479.90 $1,331.19 $1,811.09
9 $42,290.47 $465.69 $1,345.40 $1,811.09
10 $40,930.72 $451.33 $1,359.76 $1,811.09
11 $39,556.45 $436.82 $1,374.27 $1,811.09
12 $38,167.52 $422.16 $1,388.93 $1,811.09
13 $36,763.76 $407.33 $1,403.76 $1,811.09
14 $35,345.02 $392.35 $1,418.74 $1,811.09
15 $33,911.14 $377.21 $1,433.88 $1,811.09
16 $32,461.96 $361.91 $1,449.18 $1,811.09
17 $30,997.31 $346.44 $1,464.65 $1,811.09
18 $29,517.04 $330.81 $1,480.28 $1,811.09
19 $28,020.96 $315.01 $1,496.08 $1,811.09
20 $26,508.92 $299.05 $1,512.04 $1,811.09
21 $24,980.74 $282.91 $1,528.18 $1,811.09
22 $23,436.25 $266.60 $1,544.49 $1,811.09
23 $21,875.27 $250.12 $1,560.97 $1,811.09
24 $20,297.64 $233.46 $1,577.63 $1,811.09
25 $18,703.17 $216.62 $1,594.47 $1,811.09
26 $17,091.69 $199.61 $1,611.48 $1,811.09
27 $15,463.01 $182.41 $1,628.68 $1,811.09
28 $13,816.94 $165.03 $1,646.06 $1,811.09
29 $12,153.31 $147.46 $1,663.63 $1,811.09
30 $10,471.92 $129.70 $1,681.39 $1,811.09
31 $8,772.59 $111.76 $1,699.33 $1,811.09
32 $7,055.13 $93.62 $1,717.47 $1,811.09
33 $5,319.33 $75.29 $1,735.80 $1,811.09
34 $3,565.01 $56.77 $1,754.32 $1,811.09
35 $1,791.97 $38.05 $1,773.04 $1,811.09
36 $0.00 $19.12 $1,791.97 $1,811.09
Cuota fija $1,811.09
36 meses
Préstamo -$53,900
Tasa 5.00% TEA
Plazo
Desgravamen 0.08% mensual 0.08% mensual
Pagar mensual fijo
Tasa 0.41% mensual
Tasa final 0.49%
Tasa 6.01% TCEA

Periodo Principal Interés Amortización Cuota

0 $53,900
1 $52,227.12 $262.72 $1,672.88 $1,935.59
2 $50,546.09 $254.56 $1,681.03 $1,935.59
3 $48,856.87 $246.37 $1,689.22 $1,935.59
4 $47,159.41 $238.13 $1,697.46 $1,935.59
5 $45,453.68 $229.86 $1,705.73 $1,935.59
6 $43,739.64 $221.55 $1,714.04 $1,935.59
7 $42,017.24 $213.19 $1,722.40 $1,935.59
8 $40,286.44 $204.80 $1,730.79 $1,935.59
9 $38,547.21 $196.36 $1,739.23 $1,935.59
10 $36,799.50 $187.88 $1,747.71 $1,935.59
11 $35,043.28 $179.37 $1,756.23 $1,935.59
12 $33,278.49 $170.81 $1,764.79 $1,935.59
13 $31,505.10 $162.20 $1,773.39 $1,935.59
14 $29,723.07 $153.56 $1,782.03 $1,935.59
15 $27,932.35 $144.87 $1,790.72 $1,935.59
16 $26,132.91 $136.15 $1,799.45 $1,935.59
17 $24,324.69 $127.38 $1,808.22 $1,935.59
18 $22,507.66 $118.56 $1,817.03 $1,935.59
19 $20,681.77 $109.71 $1,825.89 $1,935.59
20 $18,846.99 $100.81 $1,834.79 $1,935.59
21 $17,003.26 $91.86 $1,843.73 $1,935.59
22 $15,150.54 $82.88 $1,852.72 $1,935.59
23 $13,288.80 $73.85 $1,861.75 $1,935.59
24 $11,417.98 $64.77 $1,870.82 $1,935.59
25 $9,538.04 $55.65 $1,879.94 $1,935.59
26 $7,648.94 $46.49 $1,889.10 $1,935.59
27 $5,750.63 $37.28 $1,898.31 $1,935.59
28 $3,843.06 $28.03 $1,907.56 $1,935.59
29 $1,926.20 $18.73 $1,916.86 $1,935.59
30 $0.00 $9.39 $1,926.20 $1,935.59
Cuota fija $1,935.59
Préstamo -$53,900
Tasa 13.50% TEA
Plazo
Desgravamen 0.16% mensual 0.08% mensual
Pagar mensual fijo
Tasa 1.06% mensual
Tasa final 1.22%
Tasa 15.73% TCEA

Periodo Principal Interés Amortización Cuota

0 $53,900
1 $53,068.35 $660.20 $831.65 $1,491.85
2 $52,226.52 $650.01 $841.83 $1,491.85
3 $51,374.37 $639.70 $852.15 $1,491.85
4 $50,511.79 $629.26 $862.58 $1,491.85
5 $49,638.64 $618.70 $873.15 $1,491.85
6 $48,754.79 $608.00 $883.84 $1,491.85
7 $47,860.12 $597.18 $894.67 $1,491.85
8 $46,954.50 $586.22 $905.63 $1,491.85
9 $46,037.78 $575.13 $916.72 $1,491.85
10 $45,109.83 $563.90 $927.95 $1,491.85
11 $44,170.51 $552.53 $939.32 $1,491.85
12 $43,219.69 $541.03 $950.82 $1,491.85
13 $42,257.22 $529.38 $962.47 $1,491.85
14 $41,282.97 $517.59 $974.26 $1,491.85
15 $40,296.78 $505.66 $986.19 $1,491.85
16 $39,298.51 $493.58 $998.27 $1,491.85
17 $38,288.01 $481.35 $1,010.50 $1,491.85
18 $37,265.14 $468.97 $1,022.87 $1,491.85
19 $36,229.74 $456.45 $1,035.40 $1,491.85
20 $35,181.65 $443.76 $1,048.08 $1,491.85
21 $34,120.73 $430.93 $1,060.92 $1,491.85
22 $33,046.82 $417.93 $1,073.92 $1,491.85
23 $31,959.75 $404.78 $1,087.07 $1,491.85
24 $30,859.36 $391.46 $1,100.39 $1,491.85
25 $29,745.50 $377.98 $1,113.86 $1,491.85
26 $28,617.99 $364.34 $1,127.51 $1,491.85
27 $27,476.67 $350.53 $1,141.32 $1,491.85
28 $26,321.38 $336.55 $1,155.30 $1,491.85
29 $25,151.93 $322.40 $1,169.45 $1,491.85
30 $23,968.16 $308.08 $1,183.77 $1,491.85
31 $22,769.89 $293.58 $1,198.27 $1,491.85
32 $21,556.94 $278.90 $1,212.95 $1,491.85
33 $20,329.13 $264.04 $1,227.81 $1,491.85
34 $19,086.29 $249.00 $1,242.84 $1,491.85
35 $17,828.22 $233.78 $1,258.07 $1,491.85
36 $16,554.74 $218.37 $1,273.48 $1,491.85
37 $15,265.67 $202.77 $1,289.08 $1,491.85
38 $13,960.80 $186.98 $1,304.86 $1,491.85
39 $12,639.96 $171.00 $1,320.85 $1,491.85
40 $11,302.93 $154.82 $1,337.03 $1,491.85
41 $9,949.53 $138.45 $1,353.40 $1,491.85
42 $8,579.55 $121.87 $1,369.98 $1,491.85
43 $7,192.79 $105.09 $1,386.76 $1,491.85
44 $5,789.04 $88.10 $1,403.75 $1,491.85
45 $4,368.10 $70.91 $1,420.94 $1,491.85
46 $2,929.76 $53.50 $1,438.34 $1,491.85
47 $1,473.80 $35.89 $1,455.96 $1,491.85
48 $0.00 $18.05 $1,473.80 $1,491.85
Cuota fija $1,491.85
48 meses
Préstamo -$53,900
Tasa 13.50% TEA
Plazo
Desgravamen 0.16% mensual 0.08% mensual
Pagar mensual fijo
Tasa 1.06% mensual
Tasa final 1.22%
Tasa 15.65% TCEA

Periodo Principal Interés Amortización Cuota

0 $53,900
1 $53,285.30 $657.14 $614.70 $1,271.84
2 $52,663.11 $649.65 $622.19 $1,271.84
3 $52,033.33 $642.06 $629.78 $1,271.84
4 $51,395.88 $634.38 $637.46 $1,271.84
5 $50,750.65 $626.61 $645.23 $1,271.84
6 $50,097.56 $618.75 $653.09 $1,271.84
7 $49,436.50 $610.78 $661.06 $1,271.84
8 $48,767.38 $602.72 $669.12 $1,271.84
9 $48,090.11 $594.57 $677.27 $1,271.84
10 $47,404.58 $586.31 $685.53 $1,271.84
11 $46,710.69 $577.95 $693.89 $1,271.84
12 $46,008.34 $569.49 $702.35 $1,271.84
13 $45,297.43 $560.93 $710.91 $1,271.84
14 $44,577.85 $552.26 $719.58 $1,271.84
15 $43,849.50 $543.49 $728.35 $1,271.84
16 $43,112.27 $534.61 $737.23 $1,271.84
17 $42,366.05 $525.62 $746.22 $1,271.84
18 $41,610.73 $516.52 $755.32 $1,271.84
19 $40,846.20 $507.31 $764.53 $1,271.84
20 $40,072.35 $497.99 $773.85 $1,271.84
21 $39,289.07 $488.56 $783.28 $1,271.84
22 $38,496.24 $479.01 $792.83 $1,271.84
23 $37,693.74 $469.34 $802.50 $1,271.84
24 $36,881.46 $459.56 $812.28 $1,271.84
25 $36,059.27 $449.65 $822.19 $1,271.84
26 $35,227.06 $439.63 $832.21 $1,271.84
27 $34,384.71 $429.48 $842.36 $1,271.84
28 $33,532.08 $419.21 $852.63 $1,271.84
29 $32,669.06 $408.82 $863.02 $1,271.84
30 $31,795.52 $398.30 $873.54 $1,271.84
31 $30,911.32 $387.65 $884.19 $1,271.84
32 $30,016.35 $376.87 $894.97 $1,271.84
33 $29,110.47 $365.96 $905.88 $1,271.84
34 $28,193.54 $354.91 $916.93 $1,271.84
35 $27,265.43 $343.73 $928.11 $1,271.84
36 $26,326.01 $332.42 $939.42 $1,271.84
37 $25,375.13 $320.96 $950.88 $1,271.84
38 $24,412.66 $309.37 $962.47 $1,271.84
39 $23,438.46 $297.64 $974.20 $1,271.84
40 $22,452.38 $285.76 $986.08 $1,271.84
41 $21,454.27 $273.74 $998.10 $1,271.84
42 $20,444.00 $261.57 $1,010.27 $1,271.84
43 $19,421.41 $249.25 $1,022.59 $1,271.84
44 $18,386.36 $236.78 $1,035.06 $1,271.84
45 $17,338.68 $224.16 $1,047.68 $1,271.84
46 $16,278.23 $211.39 $1,060.45 $1,271.84
47 $15,204.85 $198.46 $1,073.38 $1,271.84
48 $14,118.39 $185.38 $1,086.46 $1,271.84
49 $13,018.68 $172.13 $1,099.71 $1,271.84
50 $11,905.56 $158.72 $1,113.12 $1,271.84
51 $10,778.87 $145.15 $1,126.69 $1,271.84
52 $9,638.45 $131.41 $1,140.43 $1,271.84
53 $8,484.12 $117.51 $1,154.33 $1,271.84
54 $7,315.71 $103.44 $1,168.40 $1,271.84
55 $6,133.07 $89.19 $1,182.65 $1,271.84
56 $4,936.00 $74.77 $1,197.07 $1,271.84
57 $3,724.34 $60.18 $1,211.66 $1,271.84
58 $2,497.91 $45.41 $1,226.43 $1,271.84
59 $1,256.52 $30.45 $1,241.39 $1,271.84
60 $0.00 $15.32 $1,256.52 $1,271.84
Cuota fija $1,271.84
60 meses
Préstamo -$53,900
Tasa 5.00% TEA
Plazo
Desgravamen 0.1053% mensual 0.08% mensual
Pagar mensual fijo
Tasa 0.4074% mensual
Tasa final 0.5127%
Tasa 6.3286% TCEA

Periodo Principal Interés Amortización Cuota

0 $53,900
1 $52,532.87 $276.33 $1,367.13 $1,643.46
2 $51,158.74 $269.32 $1,374.14 $1,643.46
3 $49,777.55 $262.28 $1,381.18 $1,643.46
4 $48,389.29 $255.20 $1,388.26 $1,643.46
5 $46,993.91 $248.08 $1,395.38 $1,643.46
6 $45,591.38 $240.93 $1,402.53 $1,643.46
7 $44,181.66 $233.74 $1,409.72 $1,643.46
8 $42,764.70 $226.51 $1,416.95 $1,643.46
9 $41,340.49 $219.24 $1,424.22 $1,643.46
10 $39,908.97 $211.94 $1,431.52 $1,643.46
11 $38,470.12 $204.60 $1,438.86 $1,643.46
12 $37,023.88 $197.23 $1,446.23 $1,643.46
13 $35,570.24 $189.81 $1,453.65 $1,643.46
14 $34,109.14 $182.36 $1,461.10 $1,643.46
15 $32,640.55 $174.87 $1,468.59 $1,643.46
16 $31,164.43 $167.34 $1,476.12 $1,643.46
17 $29,680.74 $159.77 $1,483.69 $1,643.46
18 $28,189.44 $152.17 $1,491.29 $1,643.46
19 $26,690.51 $144.52 $1,498.94 $1,643.46
20 $25,183.88 $136.84 $1,506.62 $1,643.46
21 $23,669.53 $129.11 $1,514.35 $1,643.46
22 $22,147.42 $121.35 $1,522.11 $1,643.46
23 $20,617.51 $113.54 $1,529.92 $1,643.46
24 $19,079.75 $105.70 $1,537.76 $1,643.46
25 $17,534.10 $97.82 $1,545.64 $1,643.46
26 $15,980.54 $89.89 $1,553.57 $1,643.46
27 $14,419.01 $81.93 $1,561.53 $1,643.46
28 $12,849.47 $73.92 $1,569.54 $1,643.46
29 $11,271.88 $65.88 $1,577.58 $1,643.46
30 $9,686.21 $57.79 $1,585.67 $1,643.46
31 $8,092.41 $49.66 $1,593.80 $1,643.46
32 $6,490.44 $41.49 $1,601.97 $1,643.46
33 $4,880.25 $33.27 $1,610.19 $1,643.46
34 $3,261.81 $25.02 $1,618.44 $1,643.46
35 $1,635.08 $16.72 $1,626.74 $1,643.46
36 $0.00 $8.38 $1,635.08 $1,643.46
37 -$1,643.46 $0.00 $1,643.46 $1,643.46
38 -$3,295.35 -$8.43 $1,651.89 $1,643.46
39 -$4,955.70 -$16.89 $1,660.35 $1,643.46
40 -$6,624.57 -$25.41 $1,668.87 $1,643.46
41 -$8,301.99 -$33.96 $1,677.42 $1,643.46
42 -$9,988.01 -$42.56 $1,686.02 $1,643.46
43 -$11,682.68 -$51.21 $1,694.67 $1,643.46
44 -$13,386.03 -$59.89 $1,703.35 $1,643.46
45 -$15,098.12 -$68.63 $1,712.09 $1,643.46
46 -$16,818.98 -$77.40 $1,720.86 $1,643.46
47 -$18,548.67 -$86.23 $1,729.69 $1,643.46
48 -$20,287.23 -$95.09 $1,738.55 $1,643.46
49 -$22,034.69 -$104.01 $1,747.47 $1,643.46
50 -$23,791.12 -$112.97 $1,756.43 $1,643.46
51 -$25,556.55 -$121.97 $1,765.43 $1,643.46
52 -$27,331.03 -$131.02 $1,774.48 $1,643.46
53 -$29,114.61 -$140.12 $1,783.58 $1,643.46
54 -$30,907.34 -$149.26 $1,792.72 $1,643.46
55 -$32,709.25 -$158.45 $1,801.91 $1,643.46
56 -$34,520.40 -$167.69 $1,811.15 $1,643.46
57 -$36,340.84 -$176.98 $1,820.44 $1,643.46
58 -$38,170.61 -$186.31 $1,829.77 $1,643.46
59 -$40,009.76 -$195.69 $1,839.15 $1,643.46
60 -$41,858.35 -$205.12 $1,848.58 $1,643.46
Cuota fija $1,643.46
36 meses