METODOLOGIA CREDITICIA ADM

IES RFA LIC. PEDRO ANTÓN PÉREZ PAGOPRIN PAGOINT

PAGO PRIN PAGO INT

Un comerciante de telas se acerca a Caja Piura y solicita un préstamo por 18,000 soles.
El plazo solicitado es 4 años y el pago es trimestral. La TEA que cobra es 58%.
¿CUÁL SERÁ LA CUOTA A PAGAR? ELABORAR CRONOGRAMA DE PAGOS

VA = S/. 40,000.00
nper = 4 años 16 trimestres
TEA = 58% TETRIM= 12.12%

PAGO = S/. 5,772.29

PRICIPAL AL PRINCIPAL AL
TRIMESTRE INTERÉS AMORTIZACION CUOTA
INICIO FINAL
0 S/. 40,000.00 0 0 0 S/. 40,000.00
1 S/. 40,000.00 S/. 4,846.06 S/. 926.23 S/. 5,772.29 S/. 39,073.77
2 S/. 39,073.77 S/. 4,733.84 S/. 1,038.45 S/. 5,772.29 S/. 38,035.32
3 S/. 38,035.32 S/. 4,608.03 S/. 1,164.26 S/. 5,772.29 S/. 36,871.07
4 S/. 36,871.07 S/. 4,466.98 S/. 1,305.31 S/. 5,772.29 S/. 35,565.76
5 S/. 35,565.76 S/. 4,308.84 S/. 1,463.45 S/. 5,772.29 S/. 34,102.31
6 S/. 34,102.31 S/. 4,131.54 S/. 1,640.74 S/. 5,772.29 S/. 32,461.57
7 S/. 32,461.57 S/. 3,932.77 S/. 1,839.52 S/. 5,772.29 S/. 30,622.05
8 S/. 30,622.05 S/. 3,709.90 S/. 2,062.38 S/. 5,772.29 S/. 28,559.66
9 S/. 28,559.66 S/. 3,460.04 S/. 2,312.25 S/. 5,772.29 S/. 26,247.42
10 S/. 26,247.42 S/. 3,179.91 S/. 2,592.38 S/. 5,772.29 S/. 23,655.04
11 S/. 23,655.04 S/. 2,865.84 S/. 2,906.45 S/. 5,772.29 S/. 20,748.59
12 S/. 20,748.59 S/. 2,513.72 S/. 3,258.57 S/. 5,772.29 S/. 17,490.03
13 S/. 17,490.03 S/. 2,118.94 S/. 3,653.35 S/. 5,772.29 S/. 13,836.68
14 S/. 13,836.68 S/. 1,676.33 S/. 4,095.96 S/. 5,772.29 S/. 9,740.72
15 S/. 9,740.72 S/. 1,180.10 S/. 4,592.19 S/. 5,772.29 S/. 5,148.54
16 S/. 5,148.54 S/. 623.75 S/. 5,148.54 S/. 5,772.29 S/. -0.00

PAGOPRIN PAGOPRINENTRE
S/. 1,839.52 S/. 8,757.39

PAGOINT PAGOINTENTRE
S/. 4,308.84 S/. 3,480.19