a)

1er paso: TEA a TET

P= 30000
TEA= 25% TET=
n= 2 años
m4 R=
n*m= 8 R=
Comisión= 20 R=
R=
R+COMISIÓN=

b)

PERIODO CAPITAL INTERÉS AMORTIZACIÓN

0 30000
1 26940.199283 1721.13790322 3059.8007168301
2 23704.853933 1545.59327022 3235.345349831
3 20283.892733 1359.97741983 3420.9612002173
4 16666.666667 1163.71255359 3617.226066455
5 12841.915771 956.187724009 3824.7508960376
6 8797.7340833 736.756932758 4044.1816872887
7 4521.5325831 504.737119775 4276.2015002717
8 0 259.406036978 4521.5325830687

c)

TET= 0.0573712634 R=
n= 7 R=
R=
R+COMISIÓN=

PERIODO CAPITAL INTERÉS AMORTIZACIÓN

0 30000
1 30000 1721.13790322
 2 26397.192186 1721.13790322 3602.8078142527
3 22587.686735 1514.44026698 3809.5054504899
4 18559.625144 1295.8841262 4028.0615912682
5 14300.46857 1064.78914349 4259.1565739757
6 9796.9588022 820.435949654 4503.5097678159
7 5035.0769891 562.063904357 4761.8818131124
8 0 288.868728384 5035.0769890853

d)

PERIODO CAPITAL INTERÉS AMORTIZACIÓN

0 30000
1 30000 1721.13790322
2 26397.192186 1721.13790322 3602.8078142527
3 22647.541366 1680.42359272 3749.6508196866
4 18659.190852 1441.72389854 3988.3505138632
5 14416.945218 1187.82877771 4242.2456346914
6 9904.6417069 917.770901843 4512.3035105624
7 5105.0886577 630.521363206 4799.5530491989
8 0 324.98575466 5105.0886577449

e)

PERIODO CAPITAL INTERÉS AMORTIZACIÓN

0 30000
1 30000 1721.13790322
2 26397.192186 1721.13790322 3602.8078142527
más 20 días 26761.708986
3 23521.285031 3397.20538721 3240.4239549912
4 19869.512693 2985.85700424 3651.7723379563
5 15754.17427 2522.29091936 4115.3384228389
6 11116.423401 1999.87847299 4637.7508692045
7 5889.9436039 1411.14954519 5226.4797970054
8 0 747.685738307 5889.9436038897

f)
PERIODO CAPITAL INTERÉS AMORTIZACIÓN
0 30000
1 30000 1721.13790322
2 26397.192186 1721.13790322 3602.8078142527
más 20 días 26761.708986
3 23521.285031 3397.20538721 3240.4239549912
4 19869.512693 2985.85700424 3651.7723379563
5 15754.17427 2522.29091936 4115.3384228389
6 11116.423401 1999.87847299 4637.7508692045
7 5889.9436039 1411.14954519 5226.4797970054
8 0 747.685738307 5889.9436038897
 Fórmula ((1+TEA)^(f/h))-1

0.05737126344

P*FRC FRC= ((TET)(1+TET)^(nxm))/((1+TET)^(nxm)-1)

30000 * 0.0896425991259 / 0.5625
30000 * 0.1593646206682
4780.93862005
4800.93862005

CUOTA COMISIÓN CUOTA REAL Interés= P

4780.93862005 20 4800.938620047 Interés= 30000
4780.93862005 20 4800.938620047 Interés= 1721.13790322
4780.93862005 20 4800.938620047
4780.93862005 20 4800.938620047 Amortización= Cuota- Intereses
4780.93862005 20 4800.938620047
4780.93862005 20 4800.938620047 Cap del periodo Monto -
4780.93862005 20 4800.938620047 siguiente= amortización
4780.93862005 20 4800.938620047
4780.93862005 20 4800.938620047

30000 * 0.0847787359325 / 0.4777212640675

30000 * 0.177464857249
5323.94571747
5343.94571747

CUOTA COMISIÓN CUOTA REAL

1721.13790322 20 1741.1379032169
5323.94571747 20 5343.9457174696
5323.94571747 20 5343.9457174696
5323.94571747 20 5343.9457174696
5323.94571747 20 5343.9457174696
5323.94571747 20 5343.9457174696
5323.94571747 20 5343.9457174696
5323.94571747 20 5343.9457174696

CUOTA COMISIÓN CUOTA REAL TEA A TET Fórmula

TET= 0.06365917939
1721.13790322 20 1741.1379032169
5323.94571747 20 5343.9457174696 n= 6
5430.0744124 20 5450.074412405
5430.0744124 20 5450.074412405 NUEVA CUOTA: P
5430.0744124 20 5450.074412405 R= 26397.1921857
5430.0744124 20 5450.074412405 R= 26397.1921857
5430.0744124 20 5450.074412405 R= 5430.0744124
5430.0744124 20 5450.074412405 R+COMISIÓN= 5450.0744124

CUOTA COMISIÓN CUOTA REAL

TEA A TES Fórmula
1721.13790322 20 1741.1379032169 TES= 0.12694276696
5323.94571747 20 5343.9457174696
20 20
6637.6293422 25 6662.6293421968 n= 6
6637.6293422 25 6662.6293421968
6637.6293422 25 6662.6293421968 NUEVA CUOTA: P
6637.6293422 25 6662.6293421968 R= 26761.7089859
6637.6293422 25 6662.6293421968 R= 26761.7089859
6637.6293422 25 6662.6293421968 R= 6637.6293422
R+COMISIÓN= 6662.6293422

CUOTA COMISIÓN GRAVAMEN CUOTA REAL

1721.13790322 20 30 1771.137903217
5323.94571747 20 30 5373.94571747
20 30 50
6637.6293422 25 30 6692.629342197
6637.6293422 25 30 6692.629342197
6637.6293422 25 30 6692.629342197
6637.6293422 25 30 6692.629342197
6637.6293422 25 30 6692.629342197
6637.6293422 25 30 6692.629342197
 PERIODO DE GRACIA TOTAL

* i PERIODO CAPITAL
* 0.05737126 0 30000
1 31721.1379032
2 27911.6324527
3 23883.5708615
4 19624.4142875
5 15120.9045197
6 10359.0227066
7 5323.94571747
8 -2.0008883E-11

R= 31721.1379032
R= 31721.1379032
R= 5629.38720977
R+COMISIÓN= 5649.38720977

PERIODO CAPITAL
0 30000
1 31721.1379032
 2 27911.6324527
MÁS 20 DÍAS 28259.8028145
3 24837.9831523
4 20981.7882341
5 16636.077263
6 11738.7097169
7 6219.6567836
8 0

((1+TEA)^(f/h))-1
R= 28259.8028145
R= 28259.8028145
R= 7009.19722524
R+COMISIÓN= 7029.19722524
* FRC
* 0.09218834 / 0.44815469 TES=
* 0.20570652

((1+TEA)^(f/h))-1

* FRC
* 0.26002741 / 1.048383
* 0.24802711
 1721.1379032169

INTERÉS AMORTIZACIÓN CUOTA COMISIÓN CUOTA REAL

1819.88175928 3809.5054504899 5629.3872097698 20 5649.38720977

1601.3256185 4028.06159126822 5629.3872097698 20 5649.38720977
1370.23063579 4259.15657397569 5629.3872097698 20 5649.38720977
1125.87744195 4503.50976781586 5629.3872097698 20 5649.38720977
867.505396657 4761.88181311238 5629.3872097698 20 5649.38720977
594.310220685 5035.07698908528 5629.3872097698 20 5649.38720977
305.4414923 5323.94571746961 5629.3872097698 20 5649.38720977

* 0.08477873593254 / 0.47772126
* 0.17746485724899

INTERÉS AMORTIZACIÓN CUOTA COMISIÓN CUOTA REAL

1819.88175928 3809.5054504899 5629.3872097698 20 5649.38720977

3587.37756298 3421.81966226024 7009.1972252396 25 7034.19722524

3153.00230702 3856.19491822043 7009.1972252396 25 7034.19722524
2663.48625417 4345.7109710705 7009.1972252396 25 7034.19722524
2111.8296791 4897.36754613994 7009.1972252396 25 7034.19722524
1490.14429198 5519.05293325953 7009.1972252396 25 7034.19722524
789.540441642 6219.65678359773 7009.1972252396 25 7034.19722524

* 0.26002740581068 / 1.048383
* 0.24802711014074

0.12694276696
 a)
1er paso: TEA a TEM
P= 55000
TEA= 23% TEM=
n= 1 año
m 24 R=
n*m= 24 R=
Comisión= 15 R=
R=
R+COMISIÓN=

b)

PERIODO CAPITAL INTERÉS AMORTIZACIÓN CUOTA

0 55000 2822.99735512
1 53134.048942 957.04629747 1865.951057653 2822.99735512
2 51235.628766 924.577178361 1898.420176761 2822.99735512
3 49304.17448 891.543069248 1931.454285874 2822.99735512
4 47339.111263 857.934138829 1965.063216293 2822.99735512
5 45339.854293 823.74038473 1999.256970392 2822.99735512
6 43305.808568 788.951630527 2034.045724596 2822.99735512
7 41236.368736 753.557522716 2069.439832407 2822.99735512
8 39130.918909 717.547527635 2105.449827488 2822.99735512
9 36988.832482 680.910928328 2142.086426795 2822.99735512
10 34809.471948 643.636821353 2179.36053377 2822.99735512
11 32592.188706 605.71411354 2217.283241583 2822.99735512
12 30336.32287 567.131518689 2255.865836434 2822.99735512
13 28041.203069 527.87755421 2295.119800913 2822.99735512
14 25706.146252 487.940537706 2335.056817417 2822.99735512
15 23330.45748 447.308583497 2375.688771625 2822.99735512
16 20913.429724 405.969599082 2417.02775604 2822.99735512
17 18454.34365 363.91128154 2459.086073582 2822.99735512
18 15952.467409 321.12111387 2501.876241253 2822.99735512
 19 13407.056415 277.586361262 2545.41099386 2822.99735512
20 10817.353127 233.294067313 2589.70328781 2822.99735512
21 8182.5868225 188.231050165 2634.766304958 2822.99735512
22 5501.973366 142.383898585 2680.613456537 2822.99735512
23 2774.7149788 95.7389679758 2727.258387147 2822.99735512
24 0 48.2823763092 2774.714978813 2822.99735512

c)

PERIODO CAPITAL INTERÉS AMORTIZACIÓN CUOTA

0 55000
1 55000 957.04629747 957.04629747
2 55000 957.04629747 957.04629747
3 52926.63839 957.04629747 2073.361609538 3030.40790701
4 50817.198544 920.968060166 2109.439846842 3030.40790701
5 48671.052668 884.262031163 2146.145875845 3030.40790701
6 46487.562047 846.917286357 2183.49062065 3030.40790701
7 44266.076852 808.922711557 2221.485195451 3030.40790701
8 42005.935944 770.266999171 2260.140907836 3030.40790701
9 39706.466682 730.938644851 2299.469262156 3030.40790701
10 37366.984719 690.92594406 2339.481962947 3030.40790701
11 34986.7938 650.216988594 2380.190918413 3030.40790701
12 32565.185556 608.799663035 2421.608243972 3030.40790701
13 30101.43929 566.661641148 2463.74626586 3030.40790701
14 27594.821766 523.790382209 2506.617524799 3030.40790701
15 25044.586986 480.173127276 2550.234779731 3030.40790701
16 22449.975974 435.796895392 2594.611011615 3030.40790701
17 19810.216547 390.648479719 2639.759427289 3030.40790701
18 17124.523084 344.714443608 2685.6934634 3030.40790701
19 14392.096293 297.981116603 2732.426790405 3030.40790701
20 11612.122977 250.434590369 2779.973316639 3030.40790701
21 8783.7757842 202.060714555 2828.347192452 3030.40790701
22 5906.2129697 152.845092582 2877.562814425 3030.40790701
23 2978.5781401 102.773077359 2927.634829648 3030.40790701
24 0 51.8297669217 2978.578140086 3030.40790701

d)

PERIODO CAPITAL INTERÉS AMORTIZACIÓN CUOTA

0 55000
1 55000 957.04629747 957.04629747
2 55000 957.04629747 957.04629747
3 52926.63839 957.04629747 2073.361609538 3030.40790701
4 50817.198544 920.968060166 2109.439846842 3030.40790701
5 48671.052668 884.262031163 2146.145875845 3030.40790701
6 46529.022449 946.455682147 2142.030218282 3088.48590043
 7 44345.338382 904.801833292 2183.684067137 3088.48590043
8 42119.190467 862.337985069 2226.14791536 3088.48590043
9 39849.752953 819.048386256 2269.437514173 3088.48590043
10 37536.184032 774.916979335 2313.568921095 3088.48590043
11 35177.625526 729.927394533 2358.558505897 3088.48590043
12 32773.202569 684.062943751 2404.422956679 3088.48590043
13 30322.023283 637.306614374 2451.179286055 3088.48590043
14 27823.178446 589.641062962 2498.844837468 3088.48590043
15 25275.741154 541.048608811 2547.437291619 3088.48590043
16 22678.766481 491.511227402 2596.974673027 3088.48590043
17 20031.291124 441.010543711 2647.475356718 3088.48590043
18 17332.333049 389.527825394 2698.958075036 3088.48590043
19 14580.891125 337.043975837 2751.441924593 3088.48590043
20 11775.944751 283.539527075 2804.946373354 3088.48590043
21 8916.4534834 228.994632571 2859.491267858 3088.48590043
22 6001.3566428 173.38905985 2915.096840579 3088.48590043
23 3029.5729254 116.702182999 2971.78371743 3088.48590043
24 0 58.9129750143 3029.572925415 3088.48590043

e)

PERIODO CAPITAL INTERÉS AMORTIZACIÓN CUOTA

0 55000
1 55000 957.04629747 957.04629747
2 55000 957.04629747 957.04629747
3 52926.63839 957.04629747 2073.361609538 3030.40790701
4 50817.198544 920.968060166 2109.439846842 3030.40790701
5 48671.052668 884.262031163 2146.145875845 3030.40790701
6 46529.022449 946.455682147 2142.030218282 3088.48590043
7 44345.338382 904.801833292 2183.684067137 3088.48590043
8 42119.190467 862.337985069 2226.14791536 3088.48590043
9 39849.752953 819.048386256 2269.437514173 3088.48590043
10 37536.184032 774.916979335 2313.568921095 3088.48590043
11 35177.625526 729.927394533 2358.558505897 3088.48590043
12 32773.202569 684.062943751 2404.422956679 3088.48590043
más 25 días 33303.437227
13 29434.005774 692.202900532 3869.431453189 4561.63435372
14 25484.149239 611.777818369 3949.856535352 4561.63435372
15 21452.196008 529.681122709 4031.953231012 4561.63435372
16 17336.439723 445.87806952 4115.7562842 4561.63435372
17 13135.138562 360.333192624 4201.301161097 4561.63435372
18 8846.5144972 273.010288688 4288.624065033 4561.63435372
19 4468.7525454 183.872401903 4377.761951818 4561.63435372
20 -9.731593E-11 92.8818083424 4468.752545378 4561.63435372
f)
PERIODO CAPITAL INTERÉS AMORTIZACIÓN CUOTA
0 55000
1 55000 957.04629747 957.04629747
2 55000 957.04629747 957.04629747
3 52926.63839 957.04629747 2073.361609538 3030.40790701
4 50817.198544 920.968060166 2109.439846842 3030.40790701
5 48671.052668 884.262031163 2146.145875845 3030.40790701
6 46529.022449 946.455682147 2142.030218282 3088.48590043
7 44345.338382 904.801833292 2183.684067137 3088.48590043
8 42119.190467 862.337985069 2226.14791536 3088.48590043
9 39849.752953 819.048386256 2269.437514173 3088.48590043
10 37536.184032 774.916979335 2313.568921095 3088.48590043
11 35177.625526 729.927394533 2358.558505897 3088.48590043
12 32773.202569 684.062943751 2404.422956679 3088.48590043
más 25 días 33339.878985
13 32708.279779 692.960332576 631.5992064694 1324.55953905
14 32063.552954 679.832714556 644.7268244901 1324.55953905
15 31405.425658 666.432242559 658.127296487 1324.55953905
16 30733.619364 652.75324539 671.806293656 1324.55953905
17 30047.849759 638.789933979 685.7696050672 1324.55953905
18 29347.826619 624.536398931 700.0231401149 1324.55953905
19 28633.253688 609.986608027 714.5729310185 1324.55953905
20 27903.828552 595.13440367 729.4251353757 1324.55953905
21 27159.242514 579.973500278 744.5860387679 1324.55953905
22 26399.180456 564.497481625 760.0620574208 1324.55953905
23 25623.320715 548.699798126 775.8597409194 1324.55953905
24 24831.33494 532.573764065 791.9857749804 1324.55953905
25 24022.887956 516.112554765 808.4469842809 1324.55953905
26 23197.637621 499.309203698 825.2503353473 1324.55953905
27 22355.234681 482.156599542 842.4029395034 1324.55953905
28 21495.322625 464.647483166 859.9120558797 1324.55953905
29 20617.537531 446.77444456 877.785094486 1324.55953905
30 19721.507911 428.529919699 896.029619347 1324.55953905
31 18806.85456 409.906187342 914.6533517037 1324.55953905
32 17873.190386 390.895365765 933.6641732809 1324.55953905
33 16920.120257 371.489409423 953.0701296229 1324.55953905
34 15947.240823 351.680105547 972.8794334986 1324.55953905
35 14954.140355 331.459070669 993.1004683769 1324.55953905
36 13940.398563 310.817747071 1013.741791975 1324.55953905
37 12905.586423 289.747399166 1034.81213988 1324.55953905
38 11849.265994 268.239109801 1056.320429245 1324.55953905
39 10770.990231 246.283776481 1078.275762564 1324.55953905
40 9670.3027997 223.87210752 1100.687431526 1324.55953905
41 8546.7378788 200.994618104 1123.564920942 1324.55953905
42 7399.819966 177.641626282 1146.917912764 1324.55953905
43 6229.0636758 153.803248865 1170.756290181 1324.55953905
44 5033.973534 129.469397246 1195.0901418 1324.55953905
45 3814.0437681 104.629773128 1219.929765917 1324.55953905
46 2568.7580933 79.2738641676 1245.285674878 1324.55953905
47 1297.5894937 53.3909395234 1271.168599522 1324.55953905
48 0 26.970045318 1297.589493728 1324.55953905
 Fórmula ((1+TEA)^(f/h))-1

0.01740084

P*FRC FRC= ((TEM)(1+TEM)^(nxm))/((1+TEM)^(nxm)-1)

55000 * 0.02632573352 / 0.5129
55000 * 0.05132722464
2822.99736
2837.99736

COMISIÓN CUOTA REAL Interés= P * i

15 2837.9973551 Interés= 55000 * 0.01740084
15 2837.9973551 Interés= 957.046297
15 2837.9973551
15 2837.9973551 Amortización= Cuota- Intereses
15 2837.9973551
Monto -
15 2837.9973551 Cap del periodo amortizació
15 2837.9973551 siguiente= n
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
 15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551
15 2837.9973551

COMISIÓN CUOTA REAL

TEM= 0.01740084
15 972.04629747 n= 22
15 972.04629747
15 3045.407907 R= 55000 * 0.02543292
15 3045.407907 R= 55000 * 0.05509833
15 3045.407907 R= 3030.40791
15 3045.407907 R+COMISIÓN= 3050.40791
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907
15 3045.407907

COMISIÓN CUOTA REAL

TEA a TEM Fórmula ((1+TEA)^(f/h))-1
15 972.04629747
15 972.04629747 TEM= 0.01944597
15 3045.407907
15 3045.407907 n= 19
15 3045.407907
15 3103.4859004 R= 48671.0527 * 0.02803816
 15 3103.4859004 R= 48671.0527 * 0.06345632
15 3103.4859004 R= 3088.4859
15 3103.4859004 R+COMISIÓN= 3108.4859
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004

COMISIÓN CUOTA REAL TEA a TEM Fórmula ((1+TEA)^(f/h))-1

15 972.04629747 TEM= 0.02078473

15 972.04629747
15 3045.407907 n= 8
15 3045.407907
15 3045.407907 R= 33303.4372 * 0.02450291
15 3103.4859004 R= 33303.4372 * 0.13697188
15 3103.4859004 R= 4561.63435
15 3103.4859004 R+COMISIÓN= 4579.63435
15 3103.4859004
15 3103.4859004
15 3103.4859004
15 3103.4859004
18 18
18 4579.6343537
18 4579.6343537
18 4579.6343537
18 4579.6343537
18 4579.6343537
18 4579.6343537
18 4579.6343537
18 4579.6343537
COMISIÓN GRAVAMEN CUOTA REAL

15 40 1012.04629747
15 40 1012.04629747
15 40 3085.40790701
15 40 3085.40790701
15 40 3085.40790701
15 40 3143.48590043
15 40 3143.48590043
15 40 3143.48590043
15 40 3143.48590043
15 40 3143.48590043
15 40 3143.48590043
15 40 3143.48590043
18 40 58
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
18 40 1382.55953905
 / 0.4615916

1+TEA)^(f/h))-1

/ 0.44184983
1+TEA)^(f/h))-1

/ 0.17889008
 CASO 1

Amortización de una deuda con plazo fijo

Supongamos que el día 15 de diciembre de 2008, el Sr. Peñarrieta solicita un préstamo de S/ 80,000 para
en cada periodo, considerando que los pagos se harán en un plazo fijo de cada 30 días, y elabore su cuad
otros gastos.

P= 80000
n= 1
m= 12
n*m= 12

PERIODO DIAS CAPITAL INTERÉS

0 15-Dec 80000
1 14-Jan 74675.82747699 3200.00338402281
2 13-Feb 69138.68782784 2987.03625788836
3 14-Mar 63380.06235851 2765.55043769996
4 13-Apr 57391.09162681 2535.20517533511
5 13-May 51162.56181251 2295.646092732
6 12-Jun 44684.89054217 2046.50463669134
7 12-Jul 37948.112147 1787.39751187031
8 11-Aug 30941.86233107 1517.92609109613
9 10-Sep 23655.36222613 1237.67580209226
10 10-Oct 16077.40180877 946.21548967357
11 9-Nov 8196.322654161 643.09675242928
12 9-Dec 0 327.853252873208

CASO 2

Amortización de una deuda con fecha fija

Supongamos que el día 15 de diciembre de 2008, el Sr. Peñarrieta solicita un préstamo de S/ 80,000 para
importe a pagar en cada periodo, considerando que los pagos e harán en una fecha fija; es decir los días
pagara adicionalmente seguro de desgravamen, portes u otros gastos

P= 80000
n= 1
m= 12
n*m= 12

ACUMULADO PERIODO DIAS FECHA

0 15-Dec
31 1 31 15-Jan
62 2 31 15-Feb
90 3 28 15-Mar
 121 4 31 15-Apr
151 5 30 15-May
182 6 31 15-Jun
212 7 30 15-Jul
243 8 31 15-Aug
274 9 31 15-Sep
304 10 30 15-Oct
335 11 31 15-Nov
365 12 30 15-Dec

CASO 3

Prepago de una Deuda

Supongamos que el Sr. Peñarrieta solicita un préstamo de $/ 20,000 para ser cancelado en 24 cuotas me
cuota realiza un prepago por $ 1,500. ¿A cuanto ascenderá el importe de las nuevas cuotas a pagar, si lo
cancelar el préstamo? Considere que mensualmente se pago $ 2.50 por concepto de portes

P= 20000
n= 2
m= 12
n*m= 24

PERIODO CAPITAL INTERÉS AMORTIZACIÓN

0 20000
1 19327.09886594 361.7516496702 672.901134059175
2 18642.02657712 349.5804949047 685.072288824718
3 17944.56298676 337.1891933734 697.463590356003
4 17234.48396618 324.5737631536 710.079020575812
5 16511.56133275 311.7301502991 722.922633430288

ABONO 1500
NUEVO CAPITAL 15011.56133275

PERIODO CAPITAL INTERÉS AMORTIZACIÓN

0 15011.56133275
1 14342.42488682 271.5228538125 669.136445938188
2 13661.18538022 259.4197931538 681.239506596818
3 12967.62389786 247.0978173872 693.561482363414
4 12261.51756497 234.5529668676 706.106332883049
5 11542.63947555 221.7812103295 718.8780894212
6 10810.75861939 208.7784435915 731.880856159195
7 10065.63980788 195.5404882376 745.118811513076
8 9307.043598403 182.0630902743 758.596209476335
9 8534.726217416 168.3419187637 772.317380986917
 10 7748.439482097 154.3725644317 786.286735318966
11 6947.930720597 140.1505382509 800.508761499739
12 6132.942690845 125.6712699985 814.988029752138
13 5303.213497882 110.9301067873 829.729192963354
14 4458.476509702 95.9223115706 844.736988180055
15 3598.460271571 80.64306162002 860.016238130634
16 2722.888418796 65.08744697568 875.571852774981
17 1831.479587914 49.25046886837 891.408830882289
18 923.9473262763 33.12703811325 907.532261637402
19 0 16.71197347444 923.947326276215

CASO 4

Refinanciamiento de una deuda

Supongamos que el Sr. Peñarrieta solicito un préstamo por $ 80,000 para ser cancelado en 24 mensualid
cuotas, la empresa solicita un refinanciamiento de su deuda vigente, aceptándose darle un plazo amplia

P= 80000
n= 2
m= 12
n*m= 24

PERIODO CAPITAL INTERÉS AMORTIZACIÓN

0 80000
1 77119.1810371 995.6110335771 2880.81896289664
2 74202.50988489 959.7588442621 2916.67115221162
3 71249.54035792 923.4604695064 2952.96952696734
4 68259.82071792 886.7103564706 2989.71964000316
5 65232.89360466 849.5028832094 3026.92711326428
6 62168.295966 811.832357812 3064.59763866177
7 59065.55898705 773.6930175304 3102.73697894335
8 55924.20801848 735.0790278988 3141.35096857489
9 52743.76250384 695.9844818407 3180.44551463303
10 49523.73590614 656.403398765 3220.02659770877

PERIODO CAPITAL INTERÉS AMORTIZACIÓN

0 49523.73590614
1 47740.37443724 616.3297236513 1783.36146889849
2 45934.8187889 594.1355442102 1805.55564833964
3 44106.79275149 571.6651551449 1828.02603740494
4 42256.01667793 548.9151189885 1850.77607356128
5 40382.20744088 525.8819554946 1873.80923705525
6 38485.07838943 502.5621411042 1897.12905144564
7 36564.33930529 478.9521084074 1920.73908414237
 8 34619.69635834 455.0482455975 1944.64294695231
9 32650.8520617 430.8468959181 1968.84429663173
10 30657.50522626 406.3443571041 1993.34683544575
11 28639.35091452 381.5368808151 2018.1543117347
12 26596.08039404 356.4206720623 2043.2705204875
13 24527.38109011 330.9918886276 2068.69930392225
14 22432.93653804 305.2466404758 2094.44455207398
15 20312.42633465 279.1809891601 2120.51020338973
16 18165.52608932 252.7909472187 2146.90024533108
17 15991.90737433 226.0724775657 2173.61871498409
18 13791.23767466 199.0214928729 2200.66969967694
19 11563.18033705 171.6338549447 2228.05733760515
20 9307.394518588 143.9053740851 2255.78581846468
21 7023.535134495 115.831808457 2283.8593840928
22 4711.252805378 87.40886343274 2312.28232911707
23 2370.193803766 58.63219093756 2341.05900161225
24 0 29.49738878431 2370.1938037655
8068.85271506
eta solicita un préstamo de S/ 80,000 para ser cancelado en 12 cuotas mensuales iguales, acordando pagar una TEA del 60.1033%. Cal
azo fijo de cada 30 días, y elabore su cuadro de amortización correspondiente. Asumir que no se pagara adicionalmente seguro de des

TEA A TEM Fórmula

TEM= 0.0400000423

AMORTIZACIÓN CUOTA n= 12

5324.17252301088 8524.175907034 CUOTA: P

5537.13964914533 8524.175907034 R= 80000
5758.62546933373 8524.175907034 R= 80000
5988.97073169858 8524.175907034 R= 8524.175907034
6228.52981430169 8524.175907034 R+COMISIÓN= 8544.175907034
6477.67127034234 8524.175907034
6736.77839516338 8524.175907034
7006.24981593756 8524.175907034
7286.50010494143 8524.175907034
7577.96041736011 8524.175907034
7881.0791546044 8524.175907034
8196.32265416048 8524.175907034

eta solicita un préstamo de S/ 80,000 para ser cancelado en 12 cuotas mensuales iguales, acordando pagar una TEA del 60.1033%. Cal
e harán en una fecha fija; es decir los días 15 de cada mes. Además, elabore su tabla de amortización correspondiente; asumiendo que
gastos

CAPITAL INTERÉS AMORTIZACIÓN CUOTA

80000
74758.9281565151 3308.846745535 5241.07184348493 8549.91858902
69301.0825191248 3092.072951629 5457.84563739029 8549.91858902
63335.005491169 2583.841561064 5966.07702795589 8549.91858902
 57404.6597371227 2619.572834973 5930.34575404626 8549.91858902
51150.9299658213 2296.188817718 6253.7297713014 8549.91858902
44716.6437286576 2115.632351856 6434.28623716371 8549.91858902
37955.3927803109 1788.667640673 6761.25094834669 8549.91858902
30975.331414749 1569.857223458 6980.06136556193 8549.91858902
23706.5706325237 1281.157806794 7268.76078222533 8549.91858902
16104.9158715996 948.2638280956 7601.6547609241 8549.91858902
8221.10601344048 666.1087308607 7883.80985815907 8549.91858902
0 328.8445882927 8221.07400072698 8549.91858902

0,000 para ser cancelado en 24 cuotas mensuales iguales (plazo fijo), acordando pagar una TEA del 24%. Si el cliente al cancelar la quin
mporte de las nuevas cuotas a pagar, si lo que desea es reducir únicamente el importe de las cuotas restantes a pagar y no el plazo par
2.50 por concepto de portes

TEA A TEM Fórmula

TEM= 0.018087582484

CUOTA PORTES PAGO TOTAL SALDO FINAL

20000
1034.65278372939 2.5 1037.15278372939 18654.19773188
1034.65278372939 2.5 1037.15278372939 17956.95428829
1034.65278372939 2.5 1037.15278372939 17247.0993964
1034.65278372939 2.5 1037.15278372939 16524.40494561
1034.65278372939 2.5 1037.15278372939 15788.63869932

CUOTA PORTES PAGO TOTAL SALDO FINAL

15011.56133275
940.659299750656 2.5 943.159299750656 13673.28844088
940.659299750656 2.5 943.159299750656 12979.94587362
940.659299750656 2.5 943.159299750656 12274.06241549
940.659299750656 2.5 943.159299750656 11555.41123209
940.659299750656 2.5 943.159299750656 10823.76138613
940.659299750656 2.5 943.159299750656 10078.87776323
940.659299750656 2.5 943.159299750656 9320.520996366
940.659299750656 2.5 943.159299750656 8548.447388926
940.659299750656 2.5 943.159299750656 7762.408836429
 940.659299750656 2.5 943.159299750656 6962.152746778
940.659299750656 2.5 943.159299750656 6147.421959097
940.659299750656 2.5 943.159299750656 5317.954661093
940.659299750656 2.5 943.159299750656 4473.484304918
940.659299750656 2.5 943.159299750656 3613.739521522
940.659299750656 2.5 943.159299750656 2738.44403344
940.659299750656 2.5 943.159299750656 1847.316566021
940.659299750656 2.5 943.159299750656 940.0707570314
940.659299750656 2.5 943.159299750656 16.41506463885
940.659299750656 2.5 943.159299750656 -923.947326276

0,000 para ser cancelado en 24 mensualidades iguales (pago fijo), pactándose una TEA del 16%. Suponer que luego de haber cancelado
gente, aceptándose darle un plazo ampliatorio de veinticuatro meses para pagar las nueve cuotas y manteniéndose la misma tasa de in

TEA A TEM Fórmula

TEM= 0.01244513792

CUOTA PORTES PAGO TOTAL SALDO FINAL

80000
3876.42999647372 2.5 3878.92999647372 74238.36207421
3876.42999647372 2.5 3878.92999647372 71285.83873268
3876.42999647372 2.5 3878.92999647372 68296.57083096
3876.42999647372 2.5 3878.92999647372 65270.10107792
3876.42999647372 2.5 3878.92999647372 62205.96649139
3876.42999647372 2.5 3878.92999647372 59103.69832733
3876.42999647372 2.5 3878.92999647372 55962.82200811
3876.42999647372 2.5 3878.92999647372 52782.8570499
3876.42999647372 2.5 3878.92999647372 49563.31698921
3876.42999647372 2.5 3878.92999647372 46303.70930843

CUOTA PORTES PAGO TOTAL SALDO FINAL

49523.73590614
2399.69119254981 2.5 2402.19119254981 45957.01296834
2399.69119254981 2.5 2402.19119254981 44129.26314056
2399.69119254981 2.5 2402.19119254981 42278.76671409
2399.69119254981 2.5 2402.19119254981 40405.24060437
2399.69119254981 2.5 2402.19119254981 38508.39820382
2399.69119254981 2.5 2402.19119254981 36587.94933798
2399.69119254981 2.5 2402.19119254981 34643.60022115
2399.69119254981 2.5 2402.19119254981 32675.05341138
2399.69119254981 2.5 2402.19119254981 30682.00776507
2399.69119254981 2.5 2402.19119254981 28664.15839081
2399.69119254981 2.5 2402.19119254981 26621.19660279
2399.69119254981 2.5 2402.19119254981 24552.80987355
2399.69119254981 2.5 2402.19119254981 22458.68178619
2399.69119254981 2.5 2402.19119254981 20338.49198597
2399.69119254981 2.5 2402.19119254981 18191.91613126
2399.69119254981 2.5 2402.19119254981 16018.62584399
2399.69119254981 2.5 2402.19119254981 13818.28865935
2399.69119254981 2.5 2402.19119254981 11590.56797498
2399.69119254981 2.5 2402.19119254981 9335.122999447
2399.69119254981 2.5 2402.19119254981 7051.608700123
2399.69119254981 2.5 2402.19119254981 4739.675750402
2399.69119254981 2.5 2402.19119254981 2398.970476261
2399.69119254981 2.5 2402.19119254981 29.13480215327
2399.69119254981 2.5 2402.19119254981 -2370.19380377
dando pagar una TEA del 60.1033%. Calcule el importe a pagar
se pagara adicionalmente seguro de desgravamen, portes u

((1+TEA)^(f/h))-1

* FRC
* 0.064041387724 / 0.601033
* 0.106552198838

dando pagar una TEA del 60.1033%. Calcule el

zación correspondiente; asumiendo que no se

TEA A TEM Fórmula ((1+TEA)^(f/h))-1

TEM= 0.0400000423
TED= 0.001308213427

n= 12

NUEVA CUOTA: P * FRC

R= 80000 * 0.064041387724 / 0.601033
R= 80000 * 0.106552198838
 R= 8524.175907034
R+COMISIÓN= 8544.175907034

80000 = 0.960282208763 0.922141920467 0.888996358671 0.853687386887

8549.91858902

del 24%. Si el cliente al cancelar la quinta

uotas restantes a pagar y no el plazo para

((1+TEA)^(f/h))-1

n= 24

CUOTA: P * FRC
R= 20000 * 0.027811466827 / 0.5376
R= 20000 * 0.051732639186
R= 1034.652783729

n= 19
NUEVA CUOTA: P * FRC
R= 15011.56133275 * 0.025427179728 / 0.405780996478
R= 15011.56133275 * 0.062662322652
R= 940.6592997507
. Suponer que luego de haber cancelado diez
as y manteniéndose la misma tasa de interés

((1+TEA)^(f/h))-1

n= 24
CUOTA: P * FRC
R= 80000 * 0.016746177585 / 0.3456
R= 80000 * 0.048455374956
R= 3876.429996474

n= 24
CUOTA: P * FRC
R= 49523.73590614 * 0.016746177585 / 0.3456
R= 49523.73590614 * 0.048455374956
R= 2399.69119255
0.820853256622 0.78825077834 0.757933440711 0.727829998542 0.698922198604 0.672040575581
0.645348608297 0.620527507978