Si la inversión que necesita para la campaña es de S/.

35 000, tasa de interés de

12 meses. ¿Cuál de las alternativas le es más favorable?

FÓRMULA

DATOS
PRESTAMO S/. 35,000.00
PERIODO MENSUAL 12
TEA ANUAL 26%
TEM MENSUAL 1.944597%
PAGO MENSUAL S/. 3,298.34

AMORTIZADOR CON METODO FRANCÉS

N° CUOTA INTERES AMORTIZACIÓN

0
1 S/. 3,298.34 680.609 S/. 2,617.73
2 S/. 3,298.34 629.705 S/. 2,668.63
3 S/. 3,298.34 577.811 S/. 2,720.52
4 S/. 3,298.34 524.907 S/. 2,773.43
5 S/. 3,298.34 470.975 S/. 2,827.36
6 S/. 3,298.34 415.995 S/. 2,882.34
7 S/. 3,298.34 359.945 S/. 2,938.39
8 S/. 3,298.34 302.805 S/. 2,995.53
9 S/. 3,298.34 244.554 S/. 3,053.78
10 S/. 3,298.34 185.170 S/. 3,113.17
11 S/. 3,298.34 124.632 S/. 3,173.70
12 S/. 3,298.34 62.916 S/. 3,235.42
TOTAL S/. 39,580.02 S/. 4,580.02 S/. 35,000.00
 CONCEPTO CAPITAL
METODO FRANCÉS 35000
METODO AMERICANO 35000
METODO ALEMÁN 35000

PROPUESTA DE SISTEMA DE AMORTIZACIÓN DE CREDITO

 AMORTIZADOR CON METODO AMERICA

000, tasa de interés de 26% anual pagadero a PRESTAMO

as le es más favorable? PERIODO
TEA
CONVERTIR EL ANUAL A MENSUAL TEM
PAGO

Periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
CAPITAL VIVO
S/. 35,000.00
S/. 32,382.27
S/. 29,713.64
S/. 26,993.12
S/. 24,219.69
S/. 21,392.33
S/. 18,509.99
S/. 15,571.60
S/. 12,576.07
S/. 9,522.29
S/. 6,409.12
S/. 3,235.42
S/. -
 INTERES
S/. 4,580.02
S/ 680.61
5658.33333333334

ZACIÓN DE CREDITO
AMORTIZADOR CON METODO AMERICANO

S/. 35,000.00
MENSUAL 12
ANUAL 26%
MENSUAL 1.944597%
MENSUAL S/. 3,298.34

Cuota Interes Capital Saldo Final

S/ 35,000.00
S/. 3,298.34 S/ 680.61 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 0 S/ 35,000.00
S/. 3,298.34 S/ 680.61 S/ 35,000.00 S/ -
 SIATEMA DE AMORTATIZAC
PRESTAMO 35000
N PERIODOS 12
TEA 26%
TEM 1.94%

AMORTIZADOR COB METODO ALEMAN

NUMERO SALDO INICIAL

CUOTA INTERES
DE CUOTAS DEL CAPITAL
0
1 35000 3595.67 679
2 32083 3539.08 622
3 29167 3482.50 566
4 26250 3425.92 509
5 23333 3369.33 453
6 20417 3312.75 396
7 17500 3256.17 340
8 14583 3199.58 283
9 11667 3143.00 226
10 8750 3086.42 170
11 5833 3029.83 113
12 2917 2973.25 57
ORTATIZACION ALEMAM

B METODO ALEMAN

AMORTIZACION SALDO DE
DE CAPITAL CAPITAL
35000
2916.67 32083.33
2916.67 29166.67
2916.67 26250.00
2916.67 23333.33
2916.67 20416.67
2916.67 17500.00
2916.67 14583.33
2916.67 11666.67
2916.67 8750.00
2916.67 5833.33
2916.67 2916.67
2916.67 0.00